Summary
Work History
Education
Skills
Timeline
Ajaya Mandal

Ajaya Mandal

Paralakhemundiantili B R.udayagiri Gajapati (paralakhemundi)

Summary

Driven Loan Officer with track record in mortgage and home lending product sales. Demonstrating strong interpersonal skills and exceptional service throughout sales process. Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service. Talented loan agent with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Talented loan agent with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level loan agent position. Ready to help team achieve company goals.

Work History

General Insurance Agent

Insurance Agent
12.2023 - Current
  • Determined client needs and financial situations by listening and scheduling fact-finding appointments.
  • Responded to customer calls swiftly to resolve issues and answer questions.
  • Maintained high standards of customer service by building relationships with clients.
  • Built relationships with clients using active listening and issue resolution to provide excellent service.
  • Utilized CRM software to manage client relationships.
  • Investigated and processed claims swiftly to keep customers satisfied.
  • Created detailed reports for management to track performance and sales.
  • Researched and identified potential new markets
  • Identified and solicited sales prospects in agency databases
  • Generated leads through cold-calling, networking and other outreach methods
  • Analyzed risk factors to recommend appropriate coverage levels

Loan Agent

DSA
06.2023 - Current
  • Communicated with applicants to obtain loan application information and explain loan process.
  • Obtained and compiled copies of applicant credit histories, corporate financial statements and other financial information.
  • Educated customers on different classifications of loans and credit options as well as service terms.
  • Approved loans within established limits and escalated loans exceeding limits to supervisors.
  • Maintained strict confidentiality of bank records and client information.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Analyzed applicant financial status, credit, and property evaluation documents to determine feasibility of loan grants.
  • Originated, reviewed, processed, closed, and administered customer loan proposals.
  • Utilized risk management strategies to attain high loan approval rates.
  • Collaborated with other departments to promptly process loan applications.
  • Monitored performance of existing loan portfolios to identify and address any issues.
  • Developed and implemented marketing campaigns to attract new customers.
  • Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
  • Compiled database of loan applicants' credit histories, financial statements and other financial information.
  • Examined customer loan applications for loan approvals and denials.
  • Developed strong relationships with customers through high levels of customer service.
  • Negotiated loan terms to provide favorable outcomes for both customers and lenders.
  • Assisted customers in understanding loan terms and conditions to make informed decisions.
  • Advised clients on mortgage, education and personal loans.
  • Communicated with applicants to obtain loan application information and explain loan process
  • Obtained and compiled copies of applicant credit histories, corporate financial statements and other financial information
  • Analyzed applicant financial status, credit, and property evaluation documents to determine feasibility of loan grants
  • Educated customers on different classifications of loans and credit options as well as service terms
  • Approved loans within established limits and escalated loans exceeding limits to supervisors
  • Originated, reviewed, processed, closed, and administered customer loan proposals
  • Submitted loan applications to underwriter for verification and recommendations
  • Maintained strict confidentiality of bank records and client information
  • Examined customer loan applications for loan approvals and denials
  • Collaborated with other departments to promptly process loan applications
  • Monitored performance of existing loan portfolios to identify and address any issues
  • Developed and implemented marketing campaigns to attract new customers

Loan Advisor

Loan Advisor
05.2023 - Current
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Identified opportunities to cross-sell and upsell loan products to customers.
  • Proactively identified solutions for customers experiencing credit issues.
  • Explained very technical financial information to applicants in easy to understand language.
  • Assisted customers with completing loan applications and other paperwork.
  • Established plans and payoffs for customers' loans, prioritizing control of overall costs.
  • Processed loan applications and monitored progress from start to finish.
  • Researched and updated industry knowledge on changing legislation and regulations.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Compiled closing packages for drafting and presentation accuracy.
  • Monitored pipelines to track and log status of loans.
  • Helped college students obtain financial aid through loan programs.
  • Negotiated loan terms and conditions with customers to secure best deal.
  • Assessed loan portfolios for compliance with underwriting policies.
  • Supervised loan personnel and motivated to maintain customer service and performance standards
  • Assisted customers with completing loan applications and other paperwork
  • Processed loan applications and monitored progress from start to finish
  • Explained very technical financial information to applicants in easy to understand language
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers
  • Researched and updated industry knowledge on changing legislation and regulations
  • Proactively identified solutions for customers experiencing credit issues
  • Assessed loan portfolios for compliance with underwriting policies
  • Evaluated loan requests and documents to verify accuracy and completeness
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans
  • Compiled closing packages for drafting and presentation accuracy
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales
  • Developed and maintained relationships with customers, lenders and other third parties
  • Negotiated loan terms and conditions with customers to secure best deal
  • Helped college students obtain financial aid through loan programs
  • Established plans and payoffs for customers' loans, prioritizing control of overall costs
  • Identified opportunities to cross-sell and upsell loan products to customers

Education

High School Diploma -

Odisha Adarsha Vidyalaya , Chelligada
04.2018 - 04.2023

Master of Science - Science

Badapada Higher Secondary School, Badapada
08.2023 - Current

Skills

  • Market Knowledge
  • Documentation Expertise
  • Financial Analysis Aptitude
  • Practiced at FHA Loan Process
  • Terms Negotiation
  • Customer Service-Focused
  • Financial Transactions Expertise
  • Deep Knowledge of Bankruptcy Processes
  • Mortgage Lending
  • Financial Counseling
  • Cash Handling
  • Documentation Review
  • Team Player
  • Credit
  • Risk Management Assessments
  • Consumer Lending
  • Client Relations
  • Financial Services
  • Database Management
  • Credit Analysis
  • Loan Servicing
  • Sales Expertise
  • Loans
  • Loan Origination
  • Document Analysis
  • Financial Advising
  • Relationship Building and Management
  • Banking
  • Legal Codes
  • Life Insurance
  • Licensed Insurance Agent
  • Auto Insurance

Timeline

General Insurance Agent - Insurance Agent
12.2023 - Current
Badapada Higher Secondary School - Master of Science, Science
08.2023 - Current
Loan Agent - DSA
06.2023 - Current
Loan Advisor - Loan Advisor
05.2023 - Current
Odisha Adarsha Vidyalaya - High School Diploma,
04.2018 - 04.2023
Ajaya Mandal