Amit Rathee
Jhajjar
Summary
Self-driven, motivated, and Credit Analyst with 7 years of experience in analyzing financial statements NBFC/lending institution Proven abilities in handling duties of underwriting and annual review functions Gathering help the management takes a decision in lending Loan to Customer.
Overview
7
7
years of professional experience
Work History
Branch Credit Operations Manager
Cholamandalam Investment & Finance Company Limited (Home Loans)
Jhajjar Bahadurgarh & Rohtak
2022.09 - Current
- Underwriting of Loan, Handling Three Location ( Jhajjar, Bahadurgarh & Rohtak) including team of three CPA's.
- Checking eligibility and doing Personal Discussion with Customer Analysing the financial standing of the client while preparing the credit requirements.
- Legal and Technical Verification of collateral, Processing and appraisal of loan proposals upto 01 Cr.
- Checking for deviations if any as per Company policies and analysing the data accordingly.
- Managing quality of portfolio and customer services.
- Managing post disbursement documents, and taking follow up on PDD
Credit Manager
ICICI Home Finance (Home Loan & LAP)
2022.05 - 2022.09
- Credit apprisal of Home Loan and mortgage loan proposal, including affordable segment business
- Conduct personal discussion with client and understanding the business & revenue generation activities
- Recommend/Decide on loan proposals on basis of customer profile, banking analysis, repayment history, financial position and collateral analysis
- Branch operation activities including preparation of MIS related disbursement,PDD collection, dispatch and storage of documents
- Complete processing of loan docket and also handling customer services.
Branch Credit Manager
AU Small Finance Bank (Home Loan & LAP)
2020.12 - 2022.05
- Underwriting of Loan
- Checking eligibility and doing Personal Discussion with Customer
- Analysing the financial standing of the client while preparing the credit requirements
- Legal and Technical Verification of collateral
- Processing and appraisal of loan proposals upto 50 Lacs
- Checking for deviations if any as per Company policies and analysing the data accordingly
- Managing quality of portfolio and customer services
- Managing post disbursement documents, and taking follow up on PDD.
Senior Credit Officer
Indiabulls Housing Finance Limited (HL, LAP)
2017.12 - 2020.12
- Managing and controlling the entire credit and function of the branch
- In HL cases we have to check the Credit Underwriting for Loan Proposals: Appraise
- Customers Applications for their creditworthiness identify risk issues and analysis the financial & related documents
- Customer banking, loan tracks, financial, CIBIL & market references
- Tele PD of Salaried Profiles and Sanctioning
- Initially PD of proposed SENP/SEP customers
- Handling Loans Portfolio of HL and LAP
- Welcome calling to Customer on EMI cycle date
- Maintain Daily MIS
- File/ Docket Checked & complete before & after disbursement
- OTC and PDD Follow up with team & customer
- Also tracking high aged PDD and ensure to close.
Education
MBA - Finance & Marketing
Deenbandhu Chhotu RamUniversity of Science &Technology (DCRUST)
Murthal Campus 2015.07 - 5 2017
Bachelor Of Management Studies -
Deenbandhu Chhotu RamUniversity of Science & Technology
Murthal Campus 2012.07 - 5 2015
12th - Commerce
Jat H.M.A.S Sr. Sec. School
Rohtak03.2012
Skills
Sound knowledge of Accounting & Financial Analysis.
Analytical thinking and planning.
Take initiatives and work in a planned manner to achieve the defined targets.
Problem Analysis and ability to solve problems efficiently & effectively
Proficient in MS office, Internet & E-mail applications.
Accomplishments
- Three times achieve Star of the Month in AU Bank.
- Awarded by ED for Exemplary performance FY 21-22.
Maritalstatus
Single
Languagesknown
- Hindi
- English
Hobbies
- Outdoor Games
- Listening Music
Fathername
Lt. Shri Bhagwan
Personal Information
Date of Birth: 01/18/94
Timeline
Branch Credit Operations Manager
Cholamandalam Investment & Finance Company Limited (Home Loans)
2022.09 - Current
Credit Manager
ICICI Home Finance (Home Loan & LAP)
2022.05 - 2022.09
Branch Credit Manager
AU Small Finance Bank (Home Loan & LAP)
2020.12 - 2022.05
Senior Credit Officer
Indiabulls Housing Finance Limited (HL, LAP)
2017.12 - 2020.12
MBA - Finance & Marketing
Deenbandhu Chhotu RamUniversity of Science &Technology (DCRUST)
2015.07 - 5 2017
Bachelor Of Management Studies -
Deenbandhu Chhotu RamUniversity of Science & Technology
2012.07 - 5 2015
12th - Commerce
Jat H.M.A.S Sr. Sec. School
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