DEVINDER SINGH
Senior Credit Officer
Sangrur
Summary
Resourceful Manager offering history of success coordinating and monitoring operations across various departments. Effective leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Highly committed with hardworking mentality to maintain quality of services and products. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
8
8
years of professional experience
7
7
years of post-secondary education
3
3
Languages
Work History
Senior Credit Officer
Au Small Finance Bank
Patran
11.2023 - Current
- Ensured accurate financial reporting by reviewing loan documentation, evaluating collateral values, and validating borrower information.
- Made decisions and recommendations about extending lines of credit.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Established and maintained strong partnerships with external stakeholders, including regulators, auditors, and financial analysts to ensure organization''s credit operations were transparent and compliant.
- Proactively identified emerging risks, such as changes in economic conditions or regulatory environments that could impact quality of lending portfolio.
- Enhanced portfolio quality by developing robust underwriting guidelines and monitoring systems for early detection of potential risks.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Organized and finalized loan applications for underwriter review.
- Optimized credit approval and collection processes, improving operational efficiencies
Assistant Manager
KOTAK MAHINDRA BANK LTD
Sangrur
9 2021 - 11.2023
- Maintained clean, safe, and organized store environment to enhance customer experience.
- Used industry expertise, customer service skills and analytical nature to resolve customer concerns and promote loyalty.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Gained strong leadership skills by managing projects from start to finish.
- Exercised leadership capabilities by successfully motivating and inspiring others.
Executive
JANA SMALL FINANCE BANK LTD
Bathinda
08.2020 - 09.2021
- Developed sales strategies to achieve short and long-term sales revenue objectives.
- Identified trends and assessed opportunities to improve processes and execution.
- Monitored daily cash discrepancies, inventory shrinkage and drive-off.
- Enhanced customer satisfaction by streamlining communication channels and improving response times.
- Developed innovative solutions to complex problems, resulting in improved organizational performance.
Officer
ICICI BANK LTD
Bhucho Mandi Bathinda
11.2019 - 07.2020
- Managed budgets effectively, prioritizing resource allocation for maximum impact on departmental goals.
- Coordinated cross-functional teams to address complex issues, leading to more efficient problem-solving processes.
- Optimized customer experience by delivering superior services and effectively troubleshooting issues.
- Managed time efficiently in order to complete all tasks within deadlines.
Shift Supervisor
Indian Acrylics Limited
Sangrur
07.2018 - 04.2019
- Assisted in budget planning and cost control measures, contributing to overall financial success of establishment.
- Coordinated merchandising, promoted new products and increased brand awareness.
- Collaborated with internal teams to streamline operations across materials handling, production, and shipping.
- Managed staff hiring, training and supervision.
- Monitored daily and weekly key performance indicators to maintain on-track status.
- Proven ability to learn quickly and adapt to new situations.
- Ensured smooth operations during peak hours by effectively managing resources and staff allocation.
Machine Operator
Indian Acrylics Limited
Sangrur
11.2015 - 08.2017
- Performed preventative maintenance tasks consistently which resulted in fewer breakdowns requiring costly repairs.
- Calibrated, tested, and adjusted machine settings or controls in preparation for production operations.
- Operated various types of machinery, contributing to successful completion of diverse projects.
- Streamlined workflow by maintaining clean and organized workstation, adhering to safety protocols.
- Provided feedback on equipment performance issues, enabling engineers to develop effective solutions for recurring problems.
Education
Master's of Commerce - Accounting, Economics
Punjabi University, Patiala
Punjabi University Patiala 08.2018 - 05.2020
Bachelor of Commerce -
Punjabi University, Patiala
Punjabi University Patiala 05.2015 - 05.2018
Class XII -
Holy Heart Sen. Sec. School, Sangrur
Sangrur 04.2014 - 03.2015
Matric X -
Akal Academy Fatehgarh Chhanna
Fatehgarh Chhanna Patiala 04.2012 - 03.2013
Skills
Revenue benchmarks
Performance Evaluation
Compliance reviews
Credit validations
Loan structuring
Credit decisions
Portfolio Management
Customer Relations
Revenue benchmarks
Revenue benchmarks
Accomplishments
- Qualified contest HILL PE CHILL 2023 in first quarter
- Appreciated with trophy from HO for achieving 183% of target in Magnificent May Contest 2023
- Appreciated with Certificate and Trophy by NSM for qualifying contest FEB-MARCH MANIA 2023
- Appreciated with Certificate and Trophy by NSM for qualifying contest LOHRI SPECIAL in JAN 23
- Awarded with Trophy by Regional Head for qualifying March Mania Contest in year 2021
- Qualified in Zonal drives of Life Insurance
- Received Certificates for Best Performer for 4 consecutive months
Roles And Responsibilities
- Contact clients to gather financial data and documentation.
- Analyze risks and approve or reject loan requests.
- Assess clients’ financial status
- Review loan requests.
- Evaluate creditworthiness and risks
- Ability to deal courteously with customers
- Manage daily schedules, employee shifts, and time-off requests.
- Assign duties to employees and oversee their progress.
- Ensure that daily sales/production goals are met.
- Train and integrate new workers.
Personal Information
- Date of Birth: 01/04/1997
- Gender: Male
- Nationality: Indian
- Marital Status: Unmarried
Disclaimer
I do hereby declare that all the information given above is true and complete to the best of my knowledge and belief.
Timeline
Senior Credit Officer
Au Small Finance Bank
11.2023 - Current
Executive
JANA SMALL FINANCE BANK LTD
08.2020 - 09.2021
Officer
ICICI BANK LTD
11.2019 - 07.2020
Master's of Commerce - Accounting, Economics
Punjabi University, Patiala
08.2018 - 05.2020
Shift Supervisor
Indian Acrylics Limited
07.2018 - 04.2019
Machine Operator
Indian Acrylics Limited
11.2015 - 08.2017
Bachelor of Commerce -
Punjabi University, Patiala
05.2015 - 05.2018
Class XII -
Holy Heart Sen. Sec. School, Sangrur
04.2014 - 03.2015
Matric X -
Akal Academy Fatehgarh Chhanna
04.2012 - 03.2013
Assistant Manager
KOTAK MAHINDRA BANK LTD
9 2021 - 11.2023