HEMANT KUMAR
CULESTER CREDIT MENEGER
udankhedi,CT
Summary
Dynamic Cluster Credit Manager with a proven track record at NAVADHAN CAPITAL PVT LTD, excelling in credit analysis and risk assessments. Enhanced underwriting processes, leading to improved credit risk management. Adept at mentoring teams and fostering client relationships, ensuring exceptional service and satisfaction in high-pressure environments.
Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability.
Overview
3
3
years of professional experience
1
1
Language
Work History
Cluster Credit Manager
NAVADHAN CAPITAL PVT LTD
01.2024 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
Credit Officer
NAVADHAN CAPITAL PVT LTD
01.2023 - 12.2024
- Developed key relationships with clients, providing exceptional service and fostering long-term partnerships.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Organized and finalized loan applications for underwriter review.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Increased customer satisfaction scores by promptly addressing concerns and resolving issues related to credit products.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Monitored accounts for signs of fraud and non-payment issues.
- Worked with clients to define and implement terms for approved credit requests.
- Managed account data and verified information with clients, past creditors and other involved parties.
- Referred delinquent accounts to collections department or outside resources.
Transaction Officer
NAVADHAN CAPITAL PVT LTD
12.2021 - 01.2023
- Maintained confidentiality of sensitive information, adhering strictly to company policies regarding data protection and privacy.
- Enhanced transaction efficiency by streamlining processes and implementing best practices.
- Contributed to departmental goal achievement by consistently meeting or exceeding individual performance targets.
- Increased customer satisfaction by providing prompt, accurate, and personalized service during transactions.
- Managed high-volume transactions effectively, maintaining accuracy and speed in a fast-paced environment.
- Monitored ongoing transactions for potential issues or discrepancies, resolving problems proactively as they arose.
- Operated computers programmed with accounting software to record, store and analyze information.
- Maintained, organized and stocked teller window areas.
Education
Master of Arts - HINDI LIT.
GOVT COLLEGE SARANGPUR
SARANGPUR 04.2001 -
Bachelor of Arts - Accounting And Finance
GOVT COLLAGE
Sarangpur 04.2001 -
Skills
Credit analysis
Timeline
Cluster Credit Manager
NAVADHAN CAPITAL PVT LTD
01.2024 - Current
Credit Officer
NAVADHAN CAPITAL PVT LTD
01.2023 - 12.2024
Transaction Officer
NAVADHAN CAPITAL PVT LTD
12.2021 - 01.2023
Master of Arts - HINDI LIT.
GOVT COLLEGE SARANGPUR
04.2001 -
Bachelor of Arts - Accounting And Finance
GOVT COLLAGE
04.2001 -
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