JITENDRA KUMAR DWIVEDI
RPS MORE,DANAPUR,PATNA
Summary
ROIC_Credit manager with extensive experience in housing loan credit appraisal and risk management, including review of credit policies aligned with DOPS. Proven record at Bandhan Bank Ltd. and HDFC in customer relationship management and financial analysis. Skilled in policy compliance and fraud detection to support accurate, timely loan processing and approvals.
Overview
1
1
Certification
10
10
years of professional experience
Work History
Retail office incharge-Credit Housing Loan
Bandhan Bank Ltd.
Patna, India
05.2020 - 07.2026
- Credit Appraisal: Evaluated loan applications by analyzing financial statements, income tax returns, and bank statements to assess creditworthiness.
- Risk Assessment: Conducted comprehensive risk analysis based on credit scores (CIBIL), debt-to-income ratios, and customer profile verification.
- Property Valuation & Legal Review: Coordinated with technical and legal teams to verify property documents, titles, and market valuation reports.
- Loan Recommendation: Recommend or rejected housing loan proposals within assigned financial authority limits and recommended cases to senior management.
- Policy Compliance: Ensured all loan underwritings complied with internal credit policies, RBI guidelines, and regulatory frameworks.
- urnaround Time (TAT): Maintained and optimized the Turnaround Time for loan processing without compromising on credit quality.
- Fraud Detection: Implemented strict verification checks to detect and prevent fraudulent documentation and misrepresentation.
- Audit & Compliance: Successfully managed internal and external credit audits with zero major non-compliance observations.
• Credit appraisal of Housing and Lap file within TAT.
• Recommendation of Proposal to senior level for Final approval.
OFFICER sales-Housing Loan
HDFC Sales
Patna, India
11.2016 - 03.2020
- Tracking owned login files and completion of pendencies time to time.
- Customer handling and handling queries.
- Co-ordinate with disbursement co-ordinator and complete the docket.
- Builder tie up and project approval for future business.
- Generation of New business through market activity.
- Get appointment in corporate for activity for leads.
- To achieve the monthly target of login,sanction and disbursement monthly.
Education
Master of Business Administration - Management
A N COLLEGE
Patna, BR01-2013
Bachelor of Business Administration - Management
Skkim Manipal university
IIBM,PATNA01-2010
Intermediate - Science
RAM lakhan Singh Yadav College
Nawada, BR01-2003
Matriculation - All Subject
Gandhi inter school
Nawada, BR01-2001
Skills
- Customer relationship management
- Financial analysis
- Proposal writing
- Credit appraisal
Certification
Advanced certificate in WEB Application FROM NIIT.
Hobbies and interests
- Photography & Editing: Signals visual branding skills, creativity, and technical tool proficiency.
- Content Creation (Blogging/Podcasting): Demonstrates storytelling, digital marketing, and communication skills.
Accomplishments
- Certification of Appreciation-TOP performers-Housing Finance vertical-2024-Bandhan Bank Ltd,
Timeline
Retail office incharge-Credit Housing Loan
Bandhan Bank Ltd.
05.2020 - 07.2026
OFFICER sales-Housing Loan
HDFC Sales
11.2016 - 03.2020
Master of Business Administration - Management
A N COLLEGE
Bachelor of Business Administration - Management
Skkim Manipal university
Intermediate - Science
RAM lakhan Singh Yadav College
Matriculation - All Subject
Gandhi inter school