Hitendra Singh Chauhan
Lunawada
Summary
Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths.
Overview
11
11
years of professional experience
Work History
Credit Officer
MAS Financial Services Limited
02.2024 - Current
- 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.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Optimized lending practices by maintaining up-to-date knowledge of industry trends and regulatory requirements.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Monitored accounts for signs of fraud and non-payment issues.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Referred delinquent accounts to collections department or outside resources.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
Assistant Branch Manager
SK FINANCE LTD
02.2021 - 02.2024
- Supported the Branch Manager with daily tasks, ensuring smooth branch functioning and effective communication amongst team members.
- Trained and developed new team members in alignment with branch service standards and objectives.
- Monitored daily branch activities, quickly identifying areas requiring improvement or corrective action to maintain operational excellence.
- Oversaw successful completion of internal audits with minimal findings, demonstrating strong adherence to bank policies and regulations.
- Enhanced customer satisfaction by providing exceptional service and addressing concerns promptly.
- Reviewed credit applications for risk factors and credit worthiness.
- Developed sales strategy to meet established sales objectives.
- Played a key role in growing the branch''s loan portfolio through proactive client outreach and relationship management efforts.
- Maintained friendly and professional customer interactions.
- Examined customer loan applications for loan approvals and denials.
Administrative Assistant
Private Education School
05.2016 - 08.2020
Store Officer
CEAT Tyres Ltd
10.2013 - 11.2015
Education
Bachelor of Commerce, India - Accounting, India
MS UNIVERSITY
Vadodara, India03.2008
Skills
- Customer Relations
- Credit analysis
- Documentation Management
- Financial statement review
- Documentation Review
- Risk Assessment
- Credit Scoring
- Documentation preparation
- Sales Support
- Cash Flow Forecasting
- Fraud knowledge
Languages
English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Gujarati
Bilingual or Proficient (C2)
Timeline
Credit Officer
MAS Financial Services Limited
02.2024 - Current
Assistant Branch Manager
SK FINANCE LTD
02.2021 - 02.2024
Administrative Assistant
Private Education School
05.2016 - 08.2020
Store Officer
CEAT Tyres Ltd
10.2013 - 11.2015
Bachelor of Commerce, India - Accounting, India
MS UNIVERSITY
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