AKSHAY A S
CREDIT OFFER
Kollam,KL
Summary
Dynamic Credit Officer with a proven track record at Travancore Bank, excelling in risk analysis and customer relations. Expert in evaluating creditworthiness and enhancing loan feasibility, resulting in minimized default risks. Adept at fostering long-term partnerships while driving sales support initiatives to exceed targets.
Overview
2
2
years of professional experience
Work History
Credit Officer
Travancore Bank
03.2025 - Current
- Developed key relationships with clients, providing exceptional service and fostering long-term partnerships.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Organized and finalized loan applications for underwriter review.
CSR, Sales
Reliance Fresh
12.2024 - 05.2025
- Educated customers on product features, benefits, pricing options, warranties, promotions, financing structures available during purchase decision-making process.
- Enhanced customer satisfaction by promptly addressing inquiries and resolving issues.
- Identified potential areas for improvement within the sales process through data analysis and feedback from clients.
- Collaborated with team members to exceed sales targets and achieve company goals.
Credit Officer
ESAF Small Finance Bank
05.2024 - 05.2025
- Implemented robust monitoring systems to track performance metrics of existing loans, identifying areas requiring attention or intervention.
- Checked appraisals, title information and insurance documents for each property.
- Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
Education
No Degree -
GHSS SADHANATHAPURAM
Kottarakara, India 04.2001 -
Bachelor of Science -
YENEPOYA
Mangalore, India 04.2001 -
Skills
Financial statement review
Risk analysis
Sales support
Credit analysis
Risk assessment
Customer relations
Loan underwriting
Timeline
Credit Officer
Travancore Bank
03.2025 - Current
CSR, Sales
Reliance Fresh
12.2024 - 05.2025
Credit Officer
ESAF Small Finance Bank
05.2024 - 05.2025
No Degree -
GHSS SADHANATHAPURAM
04.2001 -
Bachelor of Science -
YENEPOYA
04.2001 -