Chandan Singh
BRANCH CREDIT MANAGER
Summary
Looking To Secure A Challenging Position In The Field Of Management With A Dynamic And An Exciting Organization Where My Business Knowledge, Experience And Problem-Solving Skills Will Contribute Towards The Growth And Success Of The Organization.Hardworking Credit Manager passionate about improving department policies, standardizing procedures, and increasing customer satisfaction by providing fast, knowledgeable, and friendly financial services.
Overview
10
10
years of professional experience
2029
2029
years of post-secondary education
3
3
Languages
Work History
Branch Credit Manager
APAC FINANCIAL SERVICES LTD.
01.2025 - Current
- Provided comprehensive training programs for new hires, ensuring a strong understanding of company policies, procedures, and risk management practices.
- Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite.
- Utilized financial software to prepare consolidated financial statements.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- . Case PD and decisions
· Managed all loan and credit request and made approval decisions
· Appraisals, document verification and loan approvals
. Check legal and valuation Oversaw reporting, documentation and recordkeeping requirements for department.
. Understanding of CIBIL Norms & Eligibility of loan checking by Loan to Value & Fixed Obligation to Income Ratio.
. Disbursement process approving disbursement by checking Cheque Favoring and other norms related to process. - Developed strategic plans for day-to-day financial operations.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
- Provided training and consulted with struggling teams to help meet monthly target goals.
Branch Credit Manager
Srg Housing Finance Limited
05.2024 - 12.2024
- Product-Hl/Lap
- Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite.
- Provided comprehensive training programs for new hires, ensuring a strong understanding of company policies, procedures, and risk management practices.
- Held sales coaching sessions.
- Case PD and decisions
- Managed all loan and credit request and made approval decisions
- Appraisals, document verification and loan approval
- Check legal and valuation
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Understanding of CIBIL Norms & Eligibility of loan checking by Loan to Value & Fixed Obligation to Income Ratio.
- Monitored accounts for signs of fraud and non-payment issues.
- Disbursement process approving disbursement by checking Cheque Favoring and other norms related to process.
Branch Manager
Electronica Finance Ltd.
08.2023 - 02.2024
- Product-Hl/Lap//file disbursement//branch AUDIT complines//Managing customer compliance //
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Maintained friendly and professional customer interactions.
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
Deputy Manager
Axis Bank Ltd
03.2022 - 06.2023
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Processed customer transactions promptly, minimizing wait times.
- Balanced cash drawers accurately at the end of each shift, minimizing discrepancies in financial records.
- Managed high-volume transactions during peak hours while maintaining attention to detail, ensuring seamless customer experience.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Loan disbursement check and proceed for payments.
- Provided customer records, account statements and copies of checks.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
Assistant Manager
Hdfc Bank Ltd
05.2019 - 02.2022
- Cross-sold bank products and services to meet customer needs and provide options.
- Boosted sales of bank products through effective cross-selling and up-selling techniques.
- Collaborated with branch team members to achieve monthly sales targets and improve overall performance.
- Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
- Promoted financial products by maintaining excellent service offering knowledge.
- Negotiated favorable loan terms with borrowers, securing mutually beneficial agreements that minimized risk exposure.
- Collaborated with cross-functional teams for efficient credit underwriting and approval processes.
- Enhanced customer satisfaction by promptly addressing concerns and providing expert guidance on loan products and services.
- Enabled smooth deal execution by liaising between borrowers, credit analysts, legal counsel, and other relevant parties.
- Ensured credit policies were properly applied throughout the underwriting process while maintaining responsiveness to client needs.
- Improved loan portfolio quality through diligent risk assessment and ongoing monitoring of clients'' financial health.
- Generated revenue growth through the successful closing of business loans across diverse industries and sizes.
- Processed loan applications and monitored progress from start to finish.
Loan Officer
I Finance Plc
02.2015 - 10.2018
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Worked with underwriters to fix application problems and resolve issues.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Increased customer satisfaction scores by promptly addressing concerns and resolving issues related to credit products.
Education
Senior Secondary -
Board Of Secondary Education
NANA, RajasthanBBA - Management
Lachoo Memorial College
Jodhpur, Rajasthan 04.2001 - 01.2013
No Degree - 10th Board Field
Board Of Secondary Education
CHAMUNDERY RAJASTHAN 04.2001 - 01.2008
Skills
Reference
- Ca/Anil Khandelwal: 8905222316 ( Au Small Finance Bank , Senior Credit Manager )
- Dinesh Oza: 8441999103 (Efl Hl//Lap Credit Manager Sumerpur)
Occupational Recital
- Internship Student, Indusind Bank Ltd, Sumerpur, Rajasthan, 08/01/13, 08/31/14
- Operation Manager, Shambhav Credit Co-Operative, Chamunderi, Rajasthan, 09/01/14, 02/28/15
- Credit Relation Manager Hl/Lap, I Finance, Sirohi, Rajasthan, 02/01/15, 10/31/18
- Personal Banker Branch Banking, Hdfc Bank Ltd, Sirohi, Rajasthan, 05/01/19, 02/28/22
- Operation Manager, Axis Bank Ltd, Pindwara, Rajasthan, 03/01/22, 06/30/23
- Credit Manager Product-Hl/Lap, Efl, Sumerpur, Rajasthan, 06/01/23, 02/29/24
- Credit Manager Product-Hl/Lap, Srg Housing Ltd, 04/01/24, Present
Disclaimer
I Do Here By Declare That The Above Information By Me Is True To The Best Of My Knowledge And Belief.
Timeline
Branch Credit Manager
APAC FINANCIAL SERVICES LTD.
01.2025 - Current
Branch Credit Manager
Srg Housing Finance Limited
05.2024 - 12.2024
Branch Manager
Electronica Finance Ltd.
08.2023 - 02.2024
Deputy Manager
Axis Bank Ltd
03.2022 - 06.2023
Assistant Manager
Hdfc Bank Ltd
05.2019 - 02.2022
Loan Officer
I Finance Plc
02.2015 - 10.2018
BBA - Management
Lachoo Memorial College
04.2001 - 01.2013
No Degree - 10th Board Field
Board Of Secondary Education
04.2001 - 01.2008
Senior Secondary -
Board Of Secondary Education
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