Summary
Overview
Work History
Education
Skills
Certification
Timeline
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Durga Tomar

Durga Tomar

Mumbai

Summary

Credit Officer with 2 years’ experience in home loan underwriting, financial analysis, and loan processing. Managed proposals up to ₹2.5 crores and supported ₹50+ crores in annual disbursals. Proficient in Rapid loan origination software, compliance with RBI guidelines, and credit policy documentation.

Overview

2
2
years of professional experience
1
1
Certification

Work History

Credit Officer

AU Small Finance Bank Ltd
Indore
05.2023 - 08.2025
  • Managed processing of over 30 home loan applications monthly, guaranteeing 100% compliance with internal credit policies and turnaround timelines.
  • Conducted credit appraisal for loans up to 10 lakhs, resulting in high-quality loan book with <1.5% delinquency rate.
  • Engaged with 25-30 customers weekly, delivering comprehensive support from loan inquiry to disbursement while maintaining customer satisfaction above 90%
  • Verified and approved documentation for 400+ loan files annually, maintaining 100% compliance with RBI and KYC norms.
  • Collaborated with legal and technical teams on 500+ property evaluations annually, leading to timely sanctioning and reduced loan processing time by 20%.
  • Managed disbursement of ₹3-5 crores monthly, ensuring timely fund release in coordination with sales, legal, and operations departments.
  • Monitored a portfolio of 50+ live home loan accounts, taking proactive steps to identify early signs of stress and reducing NPAs by 10%.
  • Prepared and submitted over 20+ monthly MIS reports, tracking sanctions, disbursals, rejections, and overdue accounts to senior management for review.

Education

MBA - Finance & HR

Shri Vaishnav Institute of Management
Indore, M.P
01.2021

B. Com -

Girls Degree PG College
Khandwa, M.P.
01.2019

12th - M.P Board

Saraswati Vidhya Mandir
Khandwa, M.P.
01.2016

10th - M.P Board

Saraswati Vidhya Mandir
Khandwa, M.P.
01.2014

Skills

  • Credit Appraisal & Risk Assessment
  • Home Loan Underwriting
  • Loan Management Software
  • Loan Processing & Documentation
  • Credit Scoring Models & CIBIL Analysis
  • Documentation & Legal Compliance
  • Microsoft Excel & Financial Modelling
  • KYC compliance procedures

Certification

  • Introduction to Corporate Finance - Corporate Finance Institute.

Timeline

Credit Officer

AU Small Finance Bank Ltd
05.2023 - 08.2025

MBA - Finance & HR

Shri Vaishnav Institute of Management

B. Com -

Girls Degree PG College

12th - M.P Board

Saraswati Vidhya Mandir

10th - M.P Board

Saraswati Vidhya Mandir
Durga Tomar