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
09.2022 - 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)
05.2022 - 09.2022
- 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)
12.2020 - 05.2022
- 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)
12.2017 - 12.2020
- 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 07.2015 - 5 2017
Bachelor Of Management Studies -
Deenbandhu Chhotu RamUniversity of Science & Technology
Murthal Campus 07.2012 - 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)
09.2022 - Current
Credit Manager
ICICI Home Finance (Home Loan & LAP)
05.2022 - 09.2022
Branch Credit Manager
AU Small Finance Bank (Home Loan & LAP)
12.2020 - 05.2022
Senior Credit Officer
Indiabulls Housing Finance Limited (HL, LAP)
12.2017 - 12.2020
MBA - Finance & Marketing
Deenbandhu Chhotu RamUniversity of Science &Technology (DCRUST)
07.2015 - 5 2017
Bachelor Of Management Studies -
Deenbandhu Chhotu RamUniversity of Science & Technology
07.2012 - 5 2015
12th - Commerce
Jat H.M.A.S Sr. Sec. School
Similar Profiles
Vishal JaiswalVishal Jaiswal
Regional Collection Manager at Cholamandalam Investment And Finance Company LimitedRegional Collection Manager at Cholamandalam Investment And Finance Company Limited
Shrinivas RuikarShrinivas Ruikar
Branch Credit Manager at Cholamandalam Investment & Finance Company LimitedBranch Credit Manager at Cholamandalam Investment & Finance Company Limited
BALA SUBRAHMANYAM ABALA SUBRAHMANYAM A
Branch Credit and Operations Manager at Cholamandalam Investment and Finance company limitedBranch Credit and Operations Manager at Cholamandalam Investment and Finance company limited