Arun Kumar
No 08, 12th Main, J P Nagar 5th Phase, Bangalore
Summary
8+ years of experience in credit Underwriting for Home Loans & LAP Loans. Enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Overview
9
9
years of professional experience
Work History
Branch Credit Manager
Sundaram Home Finance Ltd
08.2015 - Current
- Investigated and evaluated customers for creditworthiness and potential risk factors
- Maintaining Turn around time (TAT) as per organization guidelines
- Reviewed and analyzed loan procedures.
- Optimized credit approval and collection processes, improving operational efficiencies.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Review and update Company's Credit Policy when necessary
- Created credit scoring model to assess risks.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Carried out day-day-day duties accurately and efficiently.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Worked flexible hours: Night, weekend, and holiday shifts.
- Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
- Served customers and followed outlined steps of service.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
- Resolved problems, improved operations and provided exceptional service.
Credit Processing Associate
PNB Housing Finance Ltd
11.2014 - 08.2015
- Co-ordinating with the sales team for the file login.
- To check whether the basic documents as the checklist is available for login.
- Generation of Credit Reports.
- Initiating Legal and Technical.
- Welcome call to customers and tele PD for salaried profile cases.
- Initiation and follow up with the RCU and FI's.
- Data entry and recommendation of file at basic level.
- File allocation to credit managers to process further for sanction.
- Reviewed and verified income, credit reports and employment histories for each borrower.
Education
MBA - Marketing
Izee Business School
Bangalore2014
Bcom
Vijaya Degree College
Bangalore2012
Skills
- Understanding of loans and lending procedures
- Financial Analysis
- Collaborating with different Teams
- Ability to Work under Pressure
- Building & maintaining Strong Relationships with Customers
- Strong Written and Verbal Communication Skills
- Understanding of loans and lending procedures
- Application Processing
- Application Review
- Mentoring and Training
Additional Information
Languages familiar with:
English - Strong written and oral communication
Kannada - Strong written and oral communication
Telugu - Strong written and oral communication
Tamil - Oral communication only
Timeline
Branch Credit Manager
Sundaram Home Finance Ltd
08.2015 - Current
Credit Processing Associate
PNB Housing Finance Ltd
11.2014 - 08.2015
MBA - Marketing
Izee Business School
Bcom
Vijaya Degree College
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