Summary
Overview
Work History
Education
Skills
Websites
Languages
Timeline
Generic
ANJALI SHARMA

ANJALI SHARMA

Lucknow

Summary

Credit Officer with expertise in evaluating financial documents and managing application processes. Proven ability to deliver accurate recommendations for loan approvals and denials. Strong organizational skills combined with critical thinking enhance decision-making efficiency. Seeking a permanent position that offers opportunities for professional advancement.

Overview

6
6
years of professional experience

Work History

Credit Officer

Cent Bank Home Finance Limited
Lucknow
05.2022 - Current

Company Overview:

Cent Bank Home Finance is an organization set up to meet and fulfill all the financial requirements of an individual related to their requirement of home.

  • Reviewed financial documents for accuracy and compliance with regulations.
  • Collaborated with underwriters to facilitate approval processes efficiently.
  • Conducted market research to stay informed on lending trends and rates.
  • Built strong relationships with clients through effective communication and support.
  • Managed client follow-ups to ensure timely processing of loan requests.
  • Developed and maintained relationships with potential customers to increase loan business.
  • Delivered high levels of customer service to facilitate smooth processes.
  • Reviewed loan agreements to confirm completeness and accuracy.
  • Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Reviewed credit histories, income statements, and other financial information of loan applicants.
  • Approved or denied loan applications based on established guidelines.
  • Performed daily maintenance of loan applicant database.
  • Provided customer service support throughout the entire process from application through closing.
  • Collected past due loans, keeping credit and collateral exceptions within policy ranges.
  • Approved loan within specified limits or referred to appropriate approval level.
  • Met with applicants to obtain information for loan applications and answer questions about process.
  • Coordinating with the vendors for reports
  • Complete Process handling till disbursement
  • Evaluated loan applications to determine creditworthiness and eligibility.
  • Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
  • Maintained current knowledge regarding new laws, regulations, policies, procedures, products, services. related to consumer lending operations.
  • Managed pipeline for originated loans through closing and complete required management reports.
  • Conducted risk analysis to identify potential losses associated with certain loans.
  • Attended periodic training sessions related to consumer lending operations.
  • Prepared reports detailing loan portfolio performance metrics.
  • Built referral business by meeting with local financial planning, home builders and real estate professionals.

Operations Team Leader

Mejor Ventures
Lucknow
06.2020 - 05.2022

Company Overview:

Mejor Ventures is a growing organization set up to meet and fulfill all the financial requirements of individuals, to help clients achieve financial security.

  • Led daily operations and coordinated team activities to ensure efficiency.
  • Streamlined workflow processes to enhance productivity across departments.
  • Trained and mentored new team members on operational procedures and safety protocols.
  • Implemented best practices for quality control and operational standards adherence.
  • Resolved conflicts among team members in a professional manner.
  • Established key performance indicators for measuring operational success.
  • Ensured compliance with safety regulations in the workplace.
  • Reviewed employee performance evaluations and made recommendations for improvement.
  • Supervised daily activities of the operations team members, providing guidance when necessary.
  • Provided leadership and direction to a team of 10 operations personnel.

Associate Recruitment Manager ( Talent Management)

Executive Staffs
Lucknow
04.2019 - 06.2020

Company Overview:

Executive Staff is a new generation Human Resources consulting company, helping its client succeed through the power of Information

  • Managing a Database.
  • Managing candidate responses.
  • Managing Social Platforms
  • Co-ordination with the H.R Of the clients
  • Performance Tracking
  • Collaborated with hiring managers to understand staffing needs and job requirements.
  • Managed onboarding processes to ensure seamless integration of new hires into teams.

Education

B.Tech - CSE

Dr. A.P.J. Abdul Kalam Technical University
RR Institute of Modern Technology
07.2018

12th - ISC

St. Antony' Inter College
Lucknow
05.2014

10th - ICE

St. Antony's Inter College
Lucknow
03.2013

Skills

  • Credit analysis
  • Loan underwriting
  • Financial documentation
  • Regulatory compliance
  • Loan recommendations
  • Document evaluations
  • Loan disbursements
  • Financial statement review
  • Team leadership
  • Pipeline management
  • Conflict resolution
  • Banking operations
  • Teamwork and collaboration

Languages

Hindi
First Language
English
Intermediate (B1)
B1

Timeline

Credit Officer

Cent Bank Home Finance Limited
05.2022 - Current

Operations Team Leader

Mejor Ventures
06.2020 - 05.2022

Associate Recruitment Manager ( Talent Management)

Executive Staffs
04.2019 - 06.2020

B.Tech - CSE

Dr. A.P.J. Abdul Kalam Technical University

12th - ISC

St. Antony' Inter College

10th - ICE

St. Antony's Inter College
ANJALI SHARMA