LAKSHMAN RAM
Begusarai
Summary
Skilled Credit Manager administers credit operations and account management. Top strengths in data analysis, time management and both verbal and written communication. Over 5 years of experience supporting financial needs for organizations within 2. Dedicated Credit Manager with high integrity and deep knowledge of the field bringing 2.6 years of related experience to support business financial needs at ANNAPURNA FINANCE.PVT LTD.. Specializing in APPRAISAL credit administration. Multi-talented APPRAISAL proficient in applying credit policies to meet standards. Familiar with regulatory requirements and best practices. Eager to take on new professional challenge in credit management.
Overview
5
5
years of professional experience
Work History
Branch Credit Manager
Annapurna finance Pvt. Ltd.
PURNIA
2022.03 - Current
- Managed reporting, documentation and recordkeeping requirements for department.
- Created standard operating procedures and delivered training to credit personnel to improve operational efficiency.
- Evaluated business practices and loan procedures to assess risk and develop mitigation plans to protect business operations and assets.
SR.FIELD CREDIT OFFOCER
L & T FINANCE PVT.LTD
SAHPUR PATORI
2019.07 - 2022.01
- Assessed property appraisals, title histories and insurance information.
- Prepared and submitted loan applications to underwriters.
- Collected and checked borrower income, credit history and employment information.
- Trained rookie credit staff in application processing, credit analysis and loan disbursement to detect and curb fraud.
Education
Bachelor of Arts - Applied Economics
R.N.A.R COLLEGE SAMASTIPUR
SAMASTIPUR2014-08
Skills
- Sales proficiency
- Investigations
- Authorizations knowledge
- Fraud understanding
- Credit evaluations
- Proficient in Hindi ,English.
Languages
Hindi
First Language
English
Beginner
A1
Affiliations
- MY HOBY IS SINGING & PLAYING CRICKET
Timeline
Branch Credit Manager
Annapurna finance Pvt. Ltd.
2022.03 - Current
SR.FIELD CREDIT OFFOCER
L & T FINANCE PVT.LTD
2019.07 - 2022.01
Bachelor of Arts - Applied Economics
R.N.A.R COLLEGE SAMASTIPUR
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