Amzad Hussain
Dhanbad
Summary
Dedicated and results-driven finance professional with 6 years of experience in unsecured loans. Skilled in credit underwriting, risk assessment, and portfolio management, with a strong track record in financial analysis and decision-making. Seeking to leverage my expertise in lending and credit operations to contribute to the growth of a dynamic financial institution.
Overview
6
6
years of professional experience
Work History
Branch Credit Manager
IDFC FIRST BANK
Dhanbad
09.2024 - Current
- Credit appraisal, underwriting, and sanction of self-employed personal loans, and MLAP.
- Conduct detailed credit analysis, including financial statement review, credit scoring, and risk assessment for business loan and mortgage applicants.
- Assess the detailed banking to minimize the risk mitigation.
- Physical personal discussions at customer business premises to understand the nature and trends of business.
- Reading and understanding technical and legal reports during disbursement for the proposed property for collateral.
- Collaborate with sales and underwriting teams to facilitate the smooth processing of mortgage applications.
- Monitor and report on credit performance, identifying trends, and potential issues.
- Managing the XBucket Collection, SMA, NPA Pool, and weekly review of collections to manage the portfolio of the branch.
Credit Officer
Ujjivan Small Finance Bank
Ranchi
09.2021 - 09.2024
- Process unsecured term business loans.
- Prepare Credit Approval Memorandums, and scrutinize KYC, income, financials, and decision-making in business loan cases.
- Statements of firms for authentication.
- Oversee the disbursement process of business loans at the branch, ensuring adherence to company policies, and regulatory guidelines for seamless execution.
- Follow company policies and processes to mitigate operational, regulatory, financial, information, and audit risks. Ensure compliance with post-disbursement criteria to prevent future loan delinquencies.
- Conduct internal audits, and ensure compliance with operational, financial, and regulatory policies to mitigate potential risks, and maintain adherence to organizational standards.
- Prepare and analyze customer cash flow statements to assess repayment capacity, ensuring sound credit decisions, and minimizing default risk.
- Analyze the credibility and eligibility of business loan proposals.
- Manage the business loan portfolio, and do collections from XBucket to the NPA pool.
PL Team Leader
ICICI BANK (I-Process Services (INDIA) Pvt Ltd.)
Ranchi
06.2019 - 10.2021
- Login and Audit of PL/BIL File.
- TVR
- Preparing CAM of PL File.
- Disbursement of PL/BIL File
Education
Master of Computer Applications - Computer Science
Ranchi College Ranchi
Ranchi01-2017
Bsc IT (Information Technology) - Computer Science
Doranda College Ranchi
Ranchi01-2014
Associate of Science - Intermediate
Annada College Hazaribagh
Hazaribagh01-2011
Matriculation -
A V High School Shiladih
Hazaribagh01-2008
Skills
- Credit appraisal
- Financial analysis
- Risk assessment
- Credit scoring
- Fraud knowledge
- Portfolio management
- Customer Engagement
Languages
English
Intermediate (B1)
B1
Hindi
Upper Intermediate (B2)
B2
Accomplishments
- Credit Underwriting & Risk Assessment - Assessed and processed unsecured loan applications, ensuring minimal NPAS and improved portfolio quality.
- Loan Portfolio Growth - Evaluated borrower profiles, leading to higher approval rates for creditworthy applicants.
- Fraud Detection & Mitigation Identified and mitigated potential fraud risks, reducing delinquency rates.
- Process Improvement - Streamlined credit evaluation and documentation processes, reducing turnaround time.
- Team Collaboration & Training-Mentored junior credit officers, improving decision-making accuracy.
- Regulatory Compliance – Ensured 100% adherence to RBI and company guidelines in loan approvals and disbursements.
Software Prophecy
- MS-OFFICE.
- Programming Language-C, C++, and JAVA.
- Web Technology- HTML, DHTML, ASP.NET, CSS.
- Technical Skill-Operating System, DOS, Windows98/2000/XP/7/8/10.
Personal Information
- Nationality - Indian
- DOB - 03/01/1994
- Gender -Male
- Marital Status - Married
Declaration
I do here by declare that the information given above are true and correct to the best of my knowledge and belief.
Timeline
Branch Credit Manager
IDFC FIRST BANK
09.2024 - Current
Credit Officer
Ujjivan Small Finance Bank
09.2021 - 09.2024
PL Team Leader
ICICI BANK (I-Process Services (INDIA) Pvt Ltd.)
06.2019 - 10.2021
Master of Computer Applications - Computer Science
Ranchi College Ranchi
Bsc IT (Information Technology) - Computer Science
Doranda College Ranchi
Associate of Science - Intermediate
Annada College Hazaribagh
Matriculation -
A V High School Shiladih