Harshit Mangal
Panchkula
Summary
Detail-oriented credit officer with a proven track record in credit analysis and risk management. Skilled in evaluating applications and preparing comprehensive reports to ensure sound lending decisions. Handling more than 300 plus branches and reviewing 80 plus proposals on a daily basis
Overview
9
9
years of professional experience
1
1
Certification
Work History
credit officer
Indian Bank
chandigarh
12.2016 - Current
- Analyzed financial statements to assess creditworthiness of applicants.
- Assessed credit applications and financial statements to evaluate customer creditworthiness and inform lending decisions.
- Evaluated credit applications for individual and business loans.
- Reviewed existing credit accounts regularly to identify and mitigate potential risks.
- Recommended approval or disapproval of different loan types based on established criteria.
- Coordinated with internal teams to streamline credit approval processes.
- Compiled detailed reports summarizing customer profiles, risk assessments, and recommendations for loan approvals and denials.
- Ensured that all relevant documents were collected before making a decision about granting a line of credit.
- Provided training and guidance for junior staff members in order to help them develop their skills as Credit Officers.
- Assessed property appraisals, title histories and insurance information.
- Examined collateral to establish market value and assessed repayment capacity using secondary revenue sources before loan approval.
- Determined credit approval based on financial standing, credit records, and payment history.
Education
Master of Science - Computer Science
Jai Naryan Vyas University Jodhpur
Jodhpur11-2013
Skills
- Credit analysis
- Credit risk assessment
- Risk assessment
- Credit evaluation
- Credit scoring
- Data entry
- Loan request evaluation
- Loan recommendations
- Statement review
- Portfolio monitoring
- Delinquency monitoring
- Compliance management
- Compliance reviews
- Compliance assessments
- Compliance monitoring
- Regulatory knowledge
- Documentation review
- Document preparation
- Data analytics
- Risk analysis
- Collateral risk
- Financial statement analysis
- Cash flow forecasting
- Ratio calculation
- Application processing
- Application review
- Background investigation
- Request approval
- Credit validations
- Credit file review
- Credit disputes
- Banking operations
- Customer acquisition
- Customer relations
- Account management
- Customer service
- Problem solving
- Team collaboration
- Interpersonal communication
- Effective communication
- Analytical skills
- Multitasking capacity
- Data entry
- Policy analysis
- Documentation management
- Credit evaluation
- Credit risk assessment
- Credit file review
Languages
English
Intermediate (B1)
B1
Hindi
Intermediate (B1)
B1
Certification
- commercial credit Moodys
- Certified Associate of Indian Institute of Bankers from IIIBF
- Certification in KYC and AML
Timeline
credit officer
Indian Bank
12.2016 - Current
Master of Science - Computer Science
Jai Naryan Vyas University Jodhpur