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
11.2017 - 07.2020
- 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
01.2015 - 10.2017
- 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
09.2012 - 11.2013
- 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 06.2009 - 10.2011
Bachelor of Commerce - Accounting And Finance
K.S.K.W. College CIDCO
Nashik 06.2006 - 05.2009
Skills
Documentation preparation
Collateral risk
Loan recommendations
Planning and Coordination
Performance Monitoring
Credit Reports
Credit validations
Expertise in Word and Excel
Work 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
11.2017 - 07.2020
Credit Analyst
Iprocess Service India Pvt Ltd Of ICICI Bank
01.2015 - 10.2017
Sales Executive
TATA Croma
09.2012 - 11.2013
MBA - Accounting And Finance
Amrutvahini Institute Of Management
06.2009 - 10.2011
Bachelor of Commerce - Accounting And Finance
K.S.K.W. College CIDCO
06.2006 - 05.2009