Summary
Overview
Work History
Education
Skills
Timeline
Generic
Hemant Shah

Hemant Shah

Panipat

Summary

As an enthusiastic and results-driven Branch Credit Manager with 2 years of experience, I take pride in meticulously verifying documents India and conducting engaging discussions with loan applicants. My exceptional attention to detail, strong analytical abilities, and a keen eye for authenticity enable me to recommend the best-fit Housing, LAP Loan applications with confidence, ensuring successful outcomes and Skills Lasting financial partnerships. Let's team up for prosperity and growth together, we'll make dreams a reality

Overview

2
2
years of professional experience
6
6
years of post-secondary education

Work History

Branch Credit Manager

Supreme Housing Finance Limited
Yamunanagar
10.2023 - Current
  • Reviewed more than 50 financial statements per month.
  • Originated, reviewed, processed, closed, and administered customer loan proposals.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Personal Discussion with Customer by Visiting there house
  • Verification of work Profile
  • Recommendation of Case
  • Ensuring Credit Worthiness Of Clients
  • Analysis of Technical and Legal Report

Branch Credit Manager

Bharat Financial Inclusion Limited
Chandigarh, Amritsar
04.2022 - 09.2023
  • Credit Evaluation: Carefully review and analyze business loan applications, ensuring they meet the necessary criteria and comply
  • Management Skills with the company's lending policies
  • Document Verification: Meticulously check all required documents
  • Reading, Blogging, Physical submitted by applicants to ensure accuracy and completeness
  • Detect Fitness
  • And address any inconsistencies or discrepancies
  • Personal Discussions: Engage in one-on-one discussions with loan
  • Languages applicants to gather essential information about their business, English financial health, and repayment capabilities
  • Risk Assessment: Utilize your expertise in financial analysis to evaluate the risk profile of applicants and determine their creditworthiness
  • Assess the potential risks and benefits of granting the loan
  • Loan Recommendations: Collaborate with the credit team to recommend loan applications for approval or rejection based on your comprehensive assessment and risk analysis
  • Compliance and Regulations: Ensure strict adherence to regulatory guidelines and company policies during the credit evaluation process
  • Customer Relationship Management: Build strong and professional.

Credit Officer

Bharat Financial Inclusion Limited
Ludhiana
09.2021 - 03.2022

Creation of Current Account

Managing KYC Documents

Cash Handling

  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.

Education

Bachelor of Commerce -

Kurukshetra University Kurukshetra
Panipat
07.2015 - 06.2018

Intermediate -

National Board of Open Schooling
Panipat
05.2013 - 05.2015

High School -

Shri Guru Ram Dass Senior Secondary School
Panipat
04.2012 - 05.2013

Skills

Ability to MultitaskAnalytical AbilitiesAttention to DetailGood CommunicationFast LearnerDecision-MakingLeadershipEnthusiasticResults-DrivenTeamworkTime Management

Identifying risk associated to the lending

Finding alternatives to mitigate them

Fraud knowledge

Credit reports

Investigations

Performance monitoring

Authorizations understanding

Ability to Multitask

Good Communication

Fast Learner

Teamwork

Decision Making

Timeline

Branch Credit Manager

Supreme Housing Finance Limited
10.2023 - Current

Branch Credit Manager

Bharat Financial Inclusion Limited
04.2022 - 09.2023

Credit Officer

Bharat Financial Inclusion Limited
09.2021 - 03.2022

Bachelor of Commerce -

Kurukshetra University Kurukshetra
07.2015 - 06.2018

Intermediate -

National Board of Open Schooling
05.2013 - 05.2015

High School -

Shri Guru Ram Dass Senior Secondary School
04.2012 - 05.2013
Hemant Shah