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.P01.2021
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
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