Credit Officer with extensive experience at Wonder Home Finance Ltd, excelling in credit analysis and risk assessment. Proven ability to enhance loan approval processes while maintaining compliance. Recognized for strong teamwork and a positive attitude, consistently delivering results and ensuring customer satisfaction in high-pressure environments. Eager to leverage skills in new challenges.
Overview
9
9
years of professional experience
Work History
Credit Officer
Wonder Home Finance Ltd
Vijayawada
10.2024 - Current
Recommended approval or disapproval of different loan types based on established criteria.
Assessed the impact of new products or services on current credit policies.
Verified current and historical residences, property ownership and various types of debt by accessing public records and directories.
Provided customer credit information to official representatives from banks and other financial institutions.
Collected and checked borrower income, credit history and employment information.
Examined city directories and public records to verify residence property ownership, bankruptcies and liens.
Met with credit applicants to acquire personal and financial information used to process credit report.
Informed applicant of credit research results in writing with formal credit reports.
Coordinated with legal teams when necessary to ensure compliance with applicable laws and regulations.
Reviewed credit applications and financial statements to determine customer creditworthiness.
Ensured that all relevant documents were collected before making a decision about granting a line of credit.
Determined credit approval based on financial standing, credit records and payment history.
Prepared detailed reports summarizing customer profiles, risk assessments, and recommendations for approval and denial of new lines of credit.
Verified applicants' references pertaining to employment, health history and social behavior.
Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
Daily Opening the Branch within the Time.
Maintaining the Varies Registers.
Stage moving for Newly login cases in Finnone.
Verifying the validity & authenticity of the KYC documents and Salaried or Business proof.
Legal & Technical Initiation to vendors.
Legal & Technical Initiation to Reviews for Internal Team.
After all approval Received start the Loan process in Finnone portal.
Before Disbursement all check points to check and processes the Disbursement (ex,,kyc,Application form,crif,income documents ,bank statement,Property denouncements .)
Disbursement statues to be follow up with HO OPS team.
Key points to checked in Legal Report ( Ex,,loan type/Property of the link documents ,property min 13 years chain,, property bounders ,property address ,EC .,etc. )
Key points to checked in Technical Report (Ex,,loan type , property address,Property holding type,Type of the property,Occupancy status,Occupancy level in building ,Schedule of the property,Final Market Value,,etc,,.)
Key points to checked in Loan Agreement book.
Branch SUD date to follow up with Slaes Branch Managers.
PDD follow up and updation and complete the within the TAT Dispatched to HO.
Disbursed file Dispatched to HO.
Login data And Disbursed date to be maintain MIS.
Audit Quires to Resolved to within the TAT.
Operations Officer (LAP, HL)
Shubham Housing Development Finance Company Ltd.
09.2023 - Current
Daily Opening the Branch within the Time.
Maintaining the Varies Registers.
Stage moving for Newly login cases in Finnone.
Verifying the validity & authenticity of the KYC documents and Salaried or Business proof.
Legal & Technical Initiation to vendors.
Legal & Technical Initiation to Reviews for Internal Team.
After all approval Received start the Loan process in Finnone portal.
Before Disbursement all check points to check and processes the Disbursement (ex,,kyc,Application form,crif,income documents ,bank statement,Property denouncements .)
Disbursement statues to be follow up with HO OPS team.
Key points to checked in Legal Report ( Ex,,loan type/Property of the link documents ,property min 13 years chain,, property bounders ,property address ,EC .,etc. )
Key points to checked in Technical Report (Ex,,loan type , property address,Property holding type,Type of the property,Occupancy status,Occupancy level in building ,Schedule of the property,Final Market Value,,etc,,.)
Key points to checked in Loan Agreement book.
Branch SUD date to follow up with Slaes Branch Managers.
PDD follow up and updation and complete the within the TAT Dispatched to HO.
Assisted Customers with various questions and concerns related to their Home Constructions.
Sale Agreements Preparation for Housing loans.
Technician valuation check with vendors to who apply for the Housing loan.
Legal documentation follow up with legal advocates.
Seller documentation for Follow-up with bankers.
OCR Amount to follow up with bankers and customers.
Building planning and other Activities follow up with Engineers.
To complete the Registration process for Housing purchase.
Neft & Rtgs Payments Updation in system.
Customers profile based to Purchase flat for loan eligibility check.
Kyc and Income documents to be verifying for security purposes.
Site Supervisor
Jp Ram Infra
06.2019 - 01.2022
CC Roads, Drains, Buildings Works and Culverts.
Preparing for Completed works measurements taken.
Day-to-day management of the site, including supervising and monitoring the site labour force and any subcontractors.
Responsible for Plan the activities day to day and execute the works as per the planned program.
Levels of the adjoining site, roads and Buildings as compared to the site being leveled.
Warehouse Coordinator
GMR Hyderabad Air Cargo Pvt Ltd.
07.2016 - 05.2019
Job functions in Cathay Pacific Airways as a Dedicated Staff.
Air way bill data capture from CARGO SPOT/EZYFREIGHT.
Releasing carting order to shipments as per booking.
Updating Booking Tool.
Performing Rate checks for Airway Bills.
Preparing Load Plan for outgoing flight.
Monitoring the physical loading into ULD's.
Preparing manifest and documentation related to flight.
Interaction with Load control of PRG team and local CLC team.
Preparing Notification to captain for outgoing flight.
Preparing Pallet Weight Statement for outgoing flight.
Preparing all data for particular flight into a file.
Briefing to the staffs in respective area of operation, what we have done and what we have to achieved and appreciating staffs for excellent performance.
Coordinating with airline staffs for early load plan for buildup of ULDS.
Monitoring all the staffs are using proper PPE as provided by the company.
Giving on job training to new staffs in respective areas.
Co-ordination with ground handling staffs regarding EXPORT BUILT ULDS and IMPORT ULDS as per schedule.
Education
B.com -
Acharya Nagarjuna University
Guntur
04-2015
I.T.I (civil) -
Tenali GovtI.T.I College
Tenali
05-2012
Board of secondary education -
Cbrzph School Peravali
Peravali
04-2009
Skills
Hard Working
Credit analysis
Risk assessment
Eager to learn new things
Positive attitude
Patience
Punctual
Teamwork
Previous Job Profiles
Akhila Constructions, Processed daily client transactions, including deposits, withdrawals, money transfers, loan payments., Assisted Customers with various questions and concerns related to their Home Constructions., Sale Agreements Preparation for Housing loans., Technician valuation check with vendors to who apply for the Housing loan., Legal documentation follow up with legal advocates., Seller documentation for Follow-up with bankers., OCR Amount to follow up with bankers and customers., Building planning and other Activities follow up with Engineers., To complete the Registration process for Housing purchase., NEFT & RTGS Payments Updation in system., Customers profile based to Purchase flat for loan eligibility check., KYC and Income documents to be verifying for security purposes.
JP Ram Infra (Tenali Municipality), CC Roads, Drains, Buildings Works and Culverts., Preparing for Completed works measurements taken., Day-to-day management of the site, including supervising and monitoring the site labour force and any subcontractors., Responsible for Plan the activities day to day and execute the works as per the planned program., Levels of the adjoining site, roads and Buildings as compared to the site being leveled.
GMR Hyderabad Air Cargo And Logistics (P) Ltd., Job functions in Cathay Pacific Airways as a Dedicated Staff., Air way bill data capture from CARGO SPOT/EZYFREIGHT., Releasing carting order to shipments as per booking., Updating Booking Tool., Performing Rate checks for Airway Bills., Preparing Load Plan for outgoing flight., Monitoring the physical loading into ULD's., Preparing manifest and documentation related to flight., Interaction with Load control of PRG team and local CLC team., Preparing Notification to captain for outgoing flight., Preparing Pallet Weight Statement for outgoing flight., Preparing all data for particular flight into a file., Briefing to the staffs in respective area of operation, what we have done and what we have to achieved and appreciating staffs for excellent performance., Coordinating with airline staffs for early load plan for buildup of ULDS., Monitoring all the staffs are using proper PPE as provided by the company., Giving on job training to new staffs in respective areas., Co-ordination with ground handling staffs regarding EXPORT BUILT ULDS and IMPORT ULDS as per schedule.
Technical Qualifications
MS Office
AutoCAD (civil)
Cargo Spot
Java (Cathay Pacific Airways)
Languages
Telugu
Hindi
English
Disclaimer
I do hereby declare that all the information furnished above is true and fare to the best of my knowledge and belief.
Professional Objectives
Looking for a challenging and growth oriented job that will exploit my skills and also help me to serve the company to the best of my potentials as an employee.