Amol Joshi
Credit Officer
Nashik,Maharashtra
Summary
Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths.
Overview
5
5
years of post-secondary education
7
7
years of professional experience
Work History
Credit Officer
Edelweiss Housing Finance Ltd
Pune , Maharashtra
2017.11 - 2020.07
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Used Finone to perform credit appraisals, document verification and loan approvals.
- Organized and finalized loan applications for underwriter review.
- Oversaw all reporting, documentation and recordkeeping requirements for department.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Collaborated with management to evaluate credit strategies and develop improvements.
Credit Analyst
Iprocess Service India Pvt Ltd Of ICICI Bank
Pune , Maharashtra
2015.01 - 2017.10
- Analyse document such as KYC, CIBIL, Financials, ITR, property papers and Bank Statement.
- Processed login Files within TAT in system and prepared CAM.
- Working knowledge of HL & Lap products to Check Eligibility, RTR, Banking & Ratio.
- Screening of CIBIL reports, COI, P&L A/c, Balance Sheet and file queries given to sales for problem solving.
- Co-ordinate with legal, valuator and FCU, FI agency for collecting reports.
- Managing the disbursement process for all sanction cases.to prepared of DM and Sanction Letter.
- Process of full and subsequent disbursal dockets.
Sales Executive
TATA Croma
Nashik , Maharashtra
2012.09 - 2013.11
- Primarily responsible for Computer Peripherals & IT Sales at TATA CROMA.
- Managing Customer's & Facilitating new purchase and maximize sectional sales of IT Division.
- Assist in explaining product features & usability to visiting customers.
- Handling Client Grievances as welll as Cross selling other products.
Education
MBA - Accounting And Finance
Amrutvahini Institute Of Management
Sangamner 2009.06 - 2011.10
Bachelor of Commerce - Accounting And Finance
K.S.K.W. College CIDCO
Nashik 2006.06 - 2009.05
Skills
Documentation preparation
undefinedWork Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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ACHIEVEMENTS
- Performance Excellence Awarded by ICICI Bank.
- Best Customer Handling Employee Awarded by TATA CROMA.
- Best Groom Employee” awarded by TATA CROMA.
- MSCIT Certified and NIIT Certified.
Quote
The way to get started is to quit talking and begin doing.
Walt Disney
ACADEMIC PROJECTS
- A project on “Ratio Analysis” at Indo Seals Pvt Ltd, Nasik (Summer Training Project)
- A mini-project on “Customer Satisfaction at Share khan Ltd” Nasik.
- A mini-project on “Preventive Healthcare” at Nasik.
Timeline
Credit Officer
Edelweiss Housing Finance Ltd
2017.11 - 2020.07
Credit Analyst
Iprocess Service India Pvt Ltd Of ICICI Bank
2015.01 - 2017.10
Sales Executive
TATA Croma
2012.09 - 2013.11
MBA - Accounting And Finance
Amrutvahini Institute Of Management
2009.06 - 2011.10
Bachelor of Commerce - Accounting And Finance
K.S.K.W. College CIDCO
2006.06 - 2009.05
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