Ankit Singh Negi
Haridwar
Summary
Resourceful Credit Manager successful at improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Dedicated credit manager with high integrity and deep knowledge of the field bringing several years of related experience to support business financial needs. Specializing in credit administration.
Skilled credit manager administers credit operations and account management. Top strengths in data analysis, time management and both verbal and written communication. Several years of experience supporting financial needs for organizations within the field.
Hardworking employee with customer service, multitasking, and time management abilities. Devoted to giving every customer a positive and memorable experience.
Overview
12
12
years of professional experience
Work History
Branch Credit Manager
Aadhar housing finance ltd
Haridwar
02.2018 - Current
- Analyzed actual financial results to budget, preparing variance reporting to functional groups.
- Identified opportunities for improving operational efficiency within the branch.
- Implemented new initiatives, which resulted in quicker payments and better turnaround times to resolve customer issues.
- Oversaw credit review process, ensuring timely and accurate assessments.
- Completed ongoing professional training to facilitate accurate and productive credit management.
- Developed and implemented strategies for effective debt collection, reducing delinquencies.
- Negotiated terms with clients facing financial difficulties to maximize recovery and maintain relationships.
- Maintained regular performance appraisals for subordinates through verbal, written and on-going review programs.
- Conducted regular meetings with team members to discuss performance objectives and goals.
- Enhanced customer satisfaction by providing timely and informed credit decisions.
- Coordinated with other departments to ensure proper due diligence was completed prior to granting credit approval.
- Provided guidance to staff members on best practices related to loan processing activities.
- Compiled data and analyzed latest trends, identifying risks preventatively.
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
- Implemented credit scoring models to streamline the credit approval process.
- Led, trained, and supervised credit department staff, promoting a culture of high performance and accountability.
- Evaluated creditworthiness of applicants based on established criteria such as income level, debt ratio, collateral value.
- Analyzed financial statements, loan applications and credit reports for potential customers.
- Managed household errands and other essential duties.
- Approached customers and engaged in conversation through use of effective interpersonal and people skills.
Credit Processing Associate
Aadhar housing finance ltd
Haridwar
06.2016 - 02.2018
- Reviewed loan requests for accuracy, completeness, and compliance with applicable regulations.
- Created detailed financial projections based on past performance trends and industry standards.
- Coordinated closely with legal teams when necessary in order to resolve complex disputes between lenders and borrowers.
- Identified potential risks associated with granting new loans or renewing existing ones.
- Verified customer identity by obtaining proper documentation from applicants.
- Processed customer credit applications and documents in accordance with bank procedures.
- Participated in meetings with senior management staff members to discuss various options for improving credit operations processes.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
Credit Officer
Shri ram city union finance ltd
Haridwar
01.2013 - 06.2016
- Identified areas where improvements could be made in the existing process for granting credits.
- Answered incoming inquiries to discuss credit report information with subscribers.
- Responded promptly and professionally to inquiries from customers regarding their accounts.
- Forecasted credit needs and client payment abilities to support accurate and effective decision-making.
- Met with credit applicants to acquire personal and financial information used to process credit report.
- Assessed property appraisals, title histories and insurance information.
Education
MBA - Finance
Lovely Professional University
Phagwara Punjab 02-2018
Certificate of Computer Applications - Computer Applications
ESTC
Haridwar 12-2012
Bachelor of Commerce - Accounting And Finance
D.A.V (PG) College
Dehradun08-2012
12 - Accounting
Vidhya Mandir Senior Secondary School
Haridwar 05-2009
10 - Science
Vidhya Mandir Inter College
Haridwar 06-2007
Skills
- Sales strategies
- Collateral evaluation
- Credit analysis
- Credit scoring
- Loan underwriting
- Team management
- Credit evaluations
- Policy application
- Credit risk management
- Investigations
- Risk analysis
- Loan policy limits
- Cash flow management
- Data interpretation
- Credit reports
- Regulatory compliance
- Performance monitoring
- Customer engagement
- Application review
- Strategic planning
- Risk assessments
- Loan origination
- Mentoring and training
- Performance improvements
- Loan decision assessments
- Policy implementation
- Underwriting expertise
Languages
Hindi
First Language
English
Elementary
A2
Timeline
Branch Credit Manager
Aadhar housing finance ltd
02.2018 - Current
Credit Processing Associate
Aadhar housing finance ltd
06.2016 - 02.2018
Credit Officer
Shri ram city union finance ltd
01.2013 - 06.2016
MBA - Finance
Lovely Professional University
Certificate of Computer Applications - Computer Applications
ESTC
Bachelor of Commerce - Accounting And Finance
D.A.V (PG) College
12 - Accounting
Vidhya Mandir Senior Secondary School
10 - Science
Vidhya Mandir Inter College