Aman Saxena

• Handling a credit portfolio up to Rs. 50.00 Crore and total exposure of Rs. 200.00 Crore and presently working in the National Banking Group.
• Interact with clients to identify the nature of business and business model and assess the level of credit requirement.
• Analyzing customer’s former credit data and financial statements for arriving at the level of risk in corporate lending.
• Assessing the financial stability of the client by generating financial ratios from the balance sheet and profit and loss statements and evaluation of performance based on estimates, industry scenario and market risks.
• Generation of Corporate Credit Rating of the client in accordance with the Bank’s Rating System.
• Preparation of loan appraisal memorandum to evaluate the Fund Based and Non Fund Based requirements of the Corporate and subsequent eligibility as per the loan policies of the bank including credit analysis and presentation of the loan appraisal to the appropriate committees.
• Ensuring compliance with the lending policies of the bank and RBI extant guidelines.
• Ensuring timely disbursement of loans after execution of documentation and security perfection.
• Monitoring end use of funds and ensuring veracity of drawing power on monthly basis.

• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Verified integrity of applicants' information to minimize fraud.
• Assess and make credit decisions on closed-end and revolving product applications including secured and unsecured loans
• Credit underwriting of various retail credit products such as Housing loan products, Asset backed loans, Personal loan, Auto Loan, Loans under Govt. welfare schemes etc.
• Helped college students obtain financial aid through loan programs.

• Maintained consistent communication with leadership team and US client to manage customer service effectiveness by monitoring performance and assessing metrics.
• Responded to customer comments and questions via LiveChat during shifts.
• Detailed payment options and transferred customers to billing department for payment or further questions regarding bill.

• Managed billing, service and account issues for US client customers.
• Compiled monthly sales reports and discussed results with administrators.

• Provided Tier 1 IT support to non-technical users in US through on-call support services.
• Resolved diverse range of technical issues across multiple systems and applications for customers and end-users across various time zones.