AMIR SOHAIL
CREDIT OFFICER
DELHI
Summary
Accomplished Credit Officer with a proven track record at PUNJAB AND SIND BANK, adept in financial statement analysis and fostering client relationships. Demonstrated success in minimizing default risks through meticulous creditworthiness evaluations and enhancing loan processing efficiency. Skilled in risk analysis and sales support, contributing to significant business growth and portfolio management. Also regular follow up to detect revenue leakage in any loan and monitoring of asset and avoiding slippage of accounts Knowledgeable financial professional experienced in assessing credit viability for existing as well as new borrowers. Good organizational and critical thinking skills. Offering 1 years of related experience. Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
6
6
years of professional experience
3
3
Certifications
Work History
Credit Officer
PUNJAB AND SIND BANK
07.2019 - 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.
- 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.
- Supported business growth initiatives by assisting in the identification of new market opportunities for expansion within the credit sector.
- Facilitated timely decision-making on loan applications through clear communication with internal stakeholders and prompt resolution of any queries or discrepancies.
Junior Associate
STATE BANK OF INDIA
01.2019 - 06.2019
- Enhanced bank operations by maintaining up-to-date knowledge of banking procedures and regulations.
- Promoted increased use of online banking tools with thorough explanation and demonstration for customers.
- Processed new account openings efficiently, ensuring all necessary documentation was completed accurately.
- Handling of cash receipt vouchers and account opening
Education
BTECH - ENGINEERING
04.2001 -
Skills
Financial statement review
Certification
Junior associate of indian institute of bankers
Timeline
Digital banking certificate conducted by IIBF
07-2024
Certified associate of indian institute of bankers
01-2023
Junior associate of indian institute of bankers
08-2022
Credit Officer - PUNJAB AND SIND BANK
07.2019 - Current
Junior Associate - STATE BANK OF INDIA
01.2019 - 06.2019
BIT SINDRI - BTECH, ENGINEERING
04.2001 -
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