Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Bhumika Sehgal

Chandigarh

Summary

Dynamic professional with extensive experience at IDBI Bank Ltd. in loan processing and regulatory compliance. Proven ability to educate clients and enhance operational efficiency through effective communication and problem-solving skills. Recognized for improving loan application accuracy and fostering strong client relationships, ensuring a seamless lending experience.

Overview

19
19
years of professional experience

Work History

Asset Officer (loans), Manager

IDBI Bank Ltd.
Chandigarh
12.2013 - Current
  • Reviewed loan applications for accuracy and completeness before processing.
  • Maintained compliance with regulatory standards throughout the lending process.
  • Conducted follow-ups with clients to ensure timely document submission and updates.
  • Educated customers on variety of loan products and available credit options to promote valuable decision-making.
  • Reviewed loan agreements to confirm completeness and accuracy.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Reviewed credit histories, income statements, and other financial information of loan applicants.
  • Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
  • Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
  • Improved loan applications and documentation by informing applicant of additional requirements.

Lecturer

chitkara University
Chandigarh
10.2009 - 04.2011
  • Helped students develop their English pronunciation and fluency skills.
  • Designed assessments to evaluate and monitor student's progress in understanding the concepts.
  • Organized and facilitated group activities for students to practice conversational English.
  • Assisted students in developing English language skills, including reading, writing and speaking.
  • Instructed students in reading, writing, grammar, pronunciation, conversation and other English language skills.

Sr. Associate

WIPRO BPO(A division of Wipro Limited)
New Delhi
05.2006 - 08.2008
  • Handled customer inquiries through phone.
  • Resolved complaints by providing effective solutions and support.
  • Provided quality customer service via telephone.
  • Ensured compliance with company policies and procedures when interacting with customers.
  • Maintained strong call control and quickly worked through scripts to address problems.
  • Managed customer expectations by clarifying needs, identifying options, and recommending products and services.

Education

Post Graduate Diploma in Business Administration - Human Resource Management

Symbiosis Centre For Distance Learning
Pune-India
11-2008

Bachelor of Arts -

Vallabh Govt College
Mandi-H.P.
03-2006

Skills

  • Loan processing
  • Regulatory compliance
  • Customer education
  • Operational efficiency
  • Communication skills
  • Problem solving
  • Due diligence
  • Multitasking Abilities
  • Interpersonal skills
  • Written communication

Languages

Hindi
First Language
English
Proficient (C2)
C2

Timeline

Asset Officer (loans), Manager

IDBI Bank Ltd.
12.2013 - Current

Lecturer

chitkara University
10.2009 - 04.2011

Sr. Associate

WIPRO BPO(A division of Wipro Limited)
05.2006 - 08.2008

Post Graduate Diploma in Business Administration - Human Resource Management

Symbiosis Centre For Distance Learning

Bachelor of Arts -

Vallabh Govt College

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Bhumika Sehgal