• Responsible for managing trade receivable of handled accounts
• Responsible for ensuring timely collections of accounts and immediate resolution of hanging balances
• Responsible for reviewing the price zone of accounts to ensure the accuracy of discounts reflected on the system
• Perform control measure to ensure the accuracy, validity and timeliness of analysis of collections
• Conduct monthly account confirmation to reconcile hanging balances
• Performed credit reviews on corporations to assess financial conditions
• Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews

• To verify the client details as given in the application.
• Do risk assessment of the applicants.
• Prepare the financial analysis sheet and scoring tool.
• To verify the credit discipline and Check the Cibil Bureau score of applicants and Guarantor.
• To verify and check consumer and commercial Cibil bureau reports and its scores.
• Follow up with the branch officials to ensure compliance and completion of various processes till sanction and disbursement .
• Analyze bank statement and Check the transaction frequency and also identify the cheque bounces 

• Initially employed 2010-2011 as a credit analyst
• Returned to assist with credit card reconciliation after a software upgrade.
• Filled in for employee on maternity leave as credit analyst (initial position)
• Send out/Reply to credit references
• Setup new accounts
• Posted Payments
• Processed bank deposits remotely

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Prepare reports that include the degree of risk involved in extending credit or lending money.
• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
• Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
• Generate financial ratios, using computer programs, to evaluate customers’ financial status. 

• Detailed analysis including cash-flow modelling
• Liasing with Accountants and other professionals to gather required information
• Pre- Sanction Visit with Bank Officers.
• Completing the Banking Formalities for Sanction.

• Understanding about the Financials of the Proposed Borrower/ Firm.
• Documentation of 3 year Financials, KYC Papers, Different Government Registration document, MOA, AOA and Property Documents.
• Pulling out CIBIL Report for the Borrower.
• Analyzing the Bank Statement (Debit and Credit Summation).
• Preparing the Executive Summary about the firm.
• Preparing Financial Data and Provisional’s.
• Preparing CMA Data.

• Conduct in-depth credit investigation, evaluation and analysis of the creditworthiness of the borrower.
• Prepare spreadsheets of financial statements. Input all required data into the loan origination and loan processing systems.
• Evaluate all financial statements (business and personal tax returns, fiscal year-end and interim statements and personal financial statements) for credit worthiness. Identify recurring and non-recurring income/expenses. Comprehend all schedules, notes, and K-1’s. 
• Investigate and analyze credit history of borrowers by ordering credit reports from, Dun and Bradstreet, Experian and PayNet.
• Recommend approval or denial of loans, or approve/deny loans within lending authority.

• 30% annual average growth of loan book value  (1st half 29%, 2nd half 31%) 
• 2.6% Portfolio at Risk (Non-Performing Loans) 
• 15% average growth of month on month loan count                                
• No (loan related) issues raised in branch audit report                                                    

• Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting agricultural and commercial loans
• Evaluating the financial status of clients by producing financial ratios through computer programs such as Microsoft Excel
• Provide recommendations to loan officer tied to analysis and assessment of credit risk and preparing loan applications that are sent to loan committees for their approval
•  Work closely with the in-country Credit Bankers/Credit Executives andprovides them with comprehensive credit risk analysis of clients – covering industry, business & financial profile; as well as recommendations on credit facilities & riskgrades. 

• Create a positive customer experience while understanding customer’s banking needs and presenting financing options
• Display strong analytical skills while reviewing consumer credit reports and financial documents
• Analyze credit information, financial statements (income statements, balance sheets, A/R schedules), and tax returns to identify overall risk in lending new or additional funds
• Foster strong client relationships while preparing final loan packages, reviewing, and approving loan documents
• Contribute to the achievement of branch business objectives by meeting/exceeding individual sales goals

• Part of Business Team to undertake credit appraisal for new applicants sourced by Relationship Managers.
• To make proposal notes for bankable clients and proposing to risk team for sanction of case.
• To revert on quaries raised by Risk Team for sanctioning of case.
• To handle portfolio of client for review and transactions.

• Part of the credit team, responsible for approving vehicle loans
• Worked in tandem with the sales team and customers to negotiate payments and ensure accounts were reconciled.
• Releasing sales orders for overdue customers, depending on customer profile
• Accessed credit records to evaluate customer histories.
• Generated reports detailing various metrics and account information.

• Assess client’s overall financial situation by reviewing income, assets, debts, expenses, credit reports, or other financial information. 
• Analyze applicants’ financial status & credit evaluations to determine feasibility of granting credit facility.
• Approve loans, overdrafts & credit cards within specified limits, and refer applications outside those limits to management for approval.
• Support in amendments made on credit policies, procedures and standards in conjunction with senior managers.
•  Making training sections for new hires to update them with policy and how credit assessment cycle works.
•  Being responsible for a team of credit administrators evaluating their performance and guide them to improve their quality and turn around time.  

• Developed and managed customer common-size analysis dashboard used to evaluate segmented risk trends
• Performed business cash flow, operational, and credit analysis to decision credit request
• Managed a portfolio of over 50 accounts with aggregate credit facilities between $2.5MM to $10MM dollars
• Given authority to approve new credit request for all accounts up to $2.5MM
• Trained new-hires on the underwriting process, systems, and standard procedures
• Awarded four “Above and Beyond” awards for customer satisfaction, team support, and work ethic W

• Examined, evaluated, or processed loan applications for Turkish, Israeli and Greek companies.
• Analyzing credit data and financial information of Individuals or companies that are applying for credit card or loans todetermine the risk that the bank, or other lending or credit granting institution will not recoup funds loaned
• Training new recruits
• Team Managing

• Providing support in portfolio review activities. 
• Reviewing and monitoring of credit environment, processes and related economic developments, credit models and ensuring compliance with regulatory policies and approval terms and conditions. 
• Reviewing and monitoring portfolio under supervision and formulating and implementing corrective actions. 
• Checking for early warning signals and intervening to try and proffer remedial solutions to clients. 

• Conduct Fundamental analysis of private and public entities and present business proposals to the credit committee. 
• Financial analysis and modelling for companies across key sectors, agriculture, manufacturing, transport and construction. 
• Synthesize data garnered from independently sourced macro and micro economic research, and the informal sector, and make strategic recommendations to Senior Management regarding portfolio composition. 
• Ensure compliance of Business to the Banks credit policy and KYC requirements, as well as covenants in loan agreements.
• Integral in exceeding 2018 sales stretch target in business acquisition via impeccable detailed financial analysis of firms in the energy sector, well researched presentations and client relationship management. 

• Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them.
• Analyzing client records and using the data to recommend payment plans.
• Editing Credit Recommendation made by branch and making credit analysis about the degree of risk in lending money to clients, then submitting these Credit Recommendation to loan committees for their approval.
• Timely production of call reports and file notes after any client meetings, summarizing any additional actions required, including follow-up calls and reviewing call reports produced by team members. 

• Activities include Pre-Login Reviews and Final Reviews of Consumer Durable and Two-Wheeler Applications.
• Handling field Credit investigations, through a credit verification agency.
• Handle all the queries of customer care department and send incomplete letters to dealers and handled spot approval programme at counter.
• Monitoring agency activities to get the job done within a fixed time frame.
• Achieving in-house time based targets.

•  Credit risk assessments and evaluating the feasibility of client projects 
• Work within clear operational guidelines, autonomously managing less complex clients or transactions and supports senior colleagues on more complex transactions; 
• Provide support to Business Managers in Watch list portfolio management, including reviewing existing customer files and monitoring their repayment patterns to ensure timely regularization of arrears and return of facilities to the regular portfolio. 
• Resolving customers’ queries within agreed authority. 

• Working closely with the Business Manager to find solutions tailored to Agricultural client’s credit needs. 
• Provision of bankable solutions out of clear understanding of client’s credit needs. 
• Risk assessment and credit proposal preparation, finalization and presentation to relevant credit committees consideration, as well as manage the existing credit portfolio. 
• Ensuring full compliance, with all laws, rules, regulations and internal policies, procedures and process in the area of credit risk. 
• Working with other deal team members across the Bank’s products and geographies to ensure timely transaction processing. 
• Develop facility monitoring trackers, facility monitoring triggers and collateral monitoring trackers. 
• Following up on key decisions made in the monitoring of facilities on the ground and acting as a dedicated person on the ground in ensuring that there is a continuous and effective monitoring of facilities until they are fully repaid. 

• Underwriter of Personal Loans
• Risk Analysis of Customers Repaying Capacity, Profit Maximization 
• Examining Credit History of Customers 
• Talk to the Onshore Branches in Australia & New Zealand and provide back end support 

• Data entry-customers details
• Assign correct limit of credit to customer accord customer income
• Separate customer applications and scan the applications
• Failing the documents and clarify the customers questions