Music
Kumar Anuj
Assistant Branch Manger ( Credit Officer)
Patna
Summary
Knowledgeable financial professional experienced in assessing credit viability for Retail,MSME and Agriculture borrowers. Good organizational and critical thinking skills. Offering four years of related experience. In addition 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. Experienced in handling various projects such as housing finance, credit facility to trading, manufacturing units and units deals in service sector as well, backed by government schemes such as Pradhan Mantri Mudra Yojna, Prime Minister Employment Generation Program (PMEGP) and Pradhan Mantri Formalisation of Micro food processing Enterprises (PMFME).
Overview
4
4
years of professional experience
2
2
Languages
Work History
Credit Officer
Indian Bank
04.2020 - Current
- Conducted in-depth industry research to identify potential risks or opportunities within specific sectors, informing credit portfolio management decisions.
- Improved cross-functional collaboration, working closely with sales and operations teams to meet business objectives.
- Managed a diverse portfolio of commercial loans, maintaining strong client relationships while mitigating risk exposure for the organization.
- Implemented robust monitoring systems to track performance metrics of existing loans, identifying areas requiring attention or intervention.
- Reduced delinquency rates by implementing effective portfolio management strategies.
- Facilitated timely decision-making on loan applications through clear communication with internal stakeholders and prompt resolution of any queries or discrepancies.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Collaborated closely with underwriting teams to ensure a seamless process from application submission to loan disbursement for clients.
- Increased customer satisfaction scores by promptly addressing concerns and resolving issues related to credit products.
- Streamlined loan approval processes with the development of standardized credit policies and procedures.
- Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Adhered to banking standards and government lending guidelines for loan services.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
Education
B.Tech In Computer Science -
04.2001 -
Post Graduate Diploma In Banking And Finance -
04.2001 -
Skills
Project Management
Financial statement review
Risk Analysis
Credit validations
Compliance reviews
Customer Relations
Creditworthiness Determination
Risk Assessment
Credit analysis
Documentation preparation
Interests
Cooking
For me it's-
- Stress Buster
- Fun to mess with different ingredients.
- Creative
Timeline
Credit Officer - Indian Bank
04.2020 - Current
Royal Institute Of Technology And Science( JNTUH) - B.Tech In Computer Science,
04.2001 -
Manipal School Of Banking - Post Graduate Diploma In Banking And Finance,
04.2001 -