ASHALATA AMIN
Nallasopara
Summary
Dynamic and results-driven banking professional with over 15 years of experience in the financial sector, specializing in credit analysis and risk assessment. Expertise in reviewing financial documents, preparing comprehensive loan packages, and delivering informed recommendations aligned with organizational goals. Recognized for strong attention to detail, exceptional judgment, and effective communication skills, complemented by solid organizational and critical thinking abilities. Eager to leverage extensive knowledge and skills to contribute meaningfully to a forward-thinking organization.
Overview
19
19
years of professional experience
Work History
Credit Officer
Bharat Co-Operative Bank (Mum) Ltd
02.2010 - Current
- Managed and monitored the daily operations of the credit department, ensuring compliance with established policies and regulations.
- Evaluated creditworthiness of potential borrowers by analyzing financial statements, credit reports and other relevant documentation.
- Checked appraisals, title information and insurance documents for each property.
- Adhered to banking standards and government lending guidelines for loan services.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Managed relationships with clients and internal stakeholders, providing guidance on credit matters and resolving disputes.
- Handling and making decisions regarding daily activities relating to Banking process, Cash Deposit, opening of Fixed deposit account, Cheque Clearing and Verification of the transactions processed by the colleague’s.
- Monitoring and reconciling all the GL and Payable accounts on daily basis and verifying all the entries.
- Managing, monitoring and resolutions of all the complaints and customers requests that originates in branch.
Account Assistant
Reves Lifestyles Pvt Ltd
12.2008 - 01.2010
- Maintaining Petty Cash, Main Cash, Bank Book, Preparation of Bank.
- Reconciliation of accounts on day to day basis
- Maintained Computerized Accounts in Tally 9.
Account Assistant
Cosmic Chemicals and Manufacturing / Exporting Company
01.2008 - 11.2008
- Maintaining Petty Cash, Main Cash, Bank Book, Preparation of Bank.
- Reconciliation of accounts on day-to-day basis
- Maintaining Purchase and Sales register
- Maintained Computerized Accounts in Tally 7.2
- Handling of export documentation, Pre and Post Shipment Documents.
Office Executive
Kudos India Company
01.2007 - 01.2008
- Maintaining Petty Cash, Main Cash.
- Sending emails, Internet Surfing
- Maintained Computerized Accounts in Tally 7.2
Education
Post-Graduation -
Mumbai University
04.2005
Bachelor of Commerce - undefined
Mumbai University
04.2003
Higher Secondary Certificate - undefined
Maharashtra Board
01.2000
Secondary School Certificate - undefined
Maharashtra Board
04.1998
Skills
- Skilled in teamwork and autonomy
- Energetic & Enthusiastic Hard Working
- Application development
- Customer relations
- Documentation management
- Loan recommendations
- Delinquency monitoring
- Loan request evaluation
- Loan disbursements
- Documentation preparation
- Keen Learner
- Determined to perform the work assigned in the best of ability
- Target achievement focus
- MS-CIT certification, Maharashtra State Board
- Proficient in Microsoft Office Suite
- English typewriting at 30 WPM
PERSONAL DETAILS
English
Hindi
Marathi
Tulu
Timeline
Credit Officer
Bharat Co-Operative Bank (Mum) Ltd
02.2010 - Current
Account Assistant
Reves Lifestyles Pvt Ltd
12.2008 - 01.2010
Account Assistant
Cosmic Chemicals and Manufacturing / Exporting Company
01.2008 - 11.2008
Office Executive
Kudos India Company
01.2007 - 01.2008
Bachelor of Commerce - undefined
Mumbai University
Higher Secondary Certificate - undefined
Maharashtra Board
Secondary School Certificate - undefined
Maharashtra Board
Post-Graduation -
Mumbai University
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