CHANDAN RAI
Bengaluru
Summary
Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Credit-manager
BANK OF BARODA
Bengaluru, India
06.2014 - Current
- Consistently achieved monthly collection targets by prioritizing accounts based on risk level and potential impact on cash flow.
- Reviewed and analyzed loan procedures.
- Ensured timely resolution of disputed accounts, working closely with internal and external stakeholders to maintain positive customer relationships.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Complied with established internal controls and policies.
- Used [Software] and [Software] to perform credit appraisals, document verification and loan approvals.
- Monitored accounts for signs of fraud and non-payment issues.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Proven ability to learn quickly and adapt to new situations.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
Education
Bachelor of Technology -
UTTAR PRADESH TECHNICAL UNIVERSITY
Lucknow, India06.2013
Skills
- Internal Controls and Reporting Systems
- Credit analysis
- Credit Reports
- Credit Scoring
- Risk Analysis
Certification
- Certificate in Commercial Credit by Moodys Analytics.
- Junior Associate of Indian Institute of Bankers
Timeline
Credit-manager
BANK OF BARODA
06.2014 - Current
Bachelor of Technology -
UTTAR PRADESH TECHNICAL UNIVERSITY