MS OFFICE
arvind singh
credit Officer
Indore,MP
Summary
Dynamic Credit Officer with a proven track record at IDBI Bank, excelling in risk analysis and credit evaluation. Recognized for enhancing cash flow through effective negotiation and collection strategies. Adept at fostering client relationships while mentoring junior staff, driving both performance and customer satisfaction in a fast-paced environment.
Professional with strong expertise in credit analysis and risk assessment. Proven ability to streamline processes, enhance client relationships, and mitigate financial risks. Strong focus on collaboration and flexibility to adapt to changing business needs. Adept at financial reporting, regulatory compliance, and utilizing analytical tools to drive impactful results.
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
10
10
years of professional experience
3
3
Certifications
2
2
Languages
Work History
Credit Officer
IDBI Bank
08.2015 - Current
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Used i-astre,LPS,CERSAI portal,EWS portal,SAJAG and other various banking portals to perform credit appraisals, document verification and loan approvals and compliance
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Earned recognition for exceptional performance in managing complex cases involving multiple stakeholders.
- Actively participated in cross-functional projects aimed at enhancing overall business efficiency and performance.
- Improved cash flow with diligent follow-up on overdue accounts and effective negotiation strategies.
- Mentored junior team members in developing their skills in credit analysis, negotiation techniques, and account management practices.
- Assisted in the development of credit policies that balanced risk management with customer acquisition objectives.
- Developed key relationships with clients, providing exceptional service and fostering long-term partnerships.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
Education
MBA - Accounting And Finance
IMS DAVV INDORE
Indore, India 04.2001 -
B.TECH - ENERGY ENGINEERING
NIT-BHOPAL
Bhopal, India 04.2001 -
HIGH SCHOOL - Science Education
SARASWATI HIGHER SECONDARY SCHOOL SATNA
Satna, India 04.2001 -
Skills
Financial statement review
Risk analysis
Sales support
Credit analysis
Financial statement analysis
Documentation preparation
Risk assessment
Collateral evaluation
Customer relations
Loan underwriting
Data interpretation
Documentation management
Creditworthiness determination
Credit scoring
Documentation review
Cash flow forecasting
Application preparation
Software
MS EXCEL
OUTLOOK
Certification
JAIIB
Interests
Reading self help books
Like to teach others
Timeline
Credit Officer
IDBI Bank
08.2015 - Current
MBA - Accounting And Finance
IMS DAVV INDORE
04.2001 -
B.TECH - ENERGY ENGINEERING
NIT-BHOPAL
04.2001 -
HIGH SCHOOL - Science Education
SARASWATI HIGHER SECONDARY SCHOOL SATNA
04.2001 -