MAHENDRAN M
Assistant Credit Manager
Omalur, Salem,TN
Summary
Seeking a responsible position with an opportunity for professional challenge, growth and to
support and enhance co-operative objectives of the company, I will add value and strength to an
employer empowering me or a team which I am part of.
Overview
10
10
years of professional experience
Work History
Assistant credit manager
Varthana finance pvt Ltd, Location
salem , TN
2022 - Current
- Analyzing credit norms for each and every customer.
- Conducting field investigation PD visit, and document verification.
- Initiate Legal, Technical and FI vendors and followup to be collect that reports.
- Preparing CAM Report and Recommended to Sanction and Disbursement.
- To managed a sales executives coordinate and motive them.
- Reviewed loan applications, credit reports and financial statements to determine credit worthiness.
- Analyzed financial data from customers to assess current creditworthiness and future repayment capacity.
- Reviewed documents submitted by customers as part of the loan application process.
Branch Credit Officer
Aye finance Pvt ltd
TRICHY , TN
2019.11 - 2022.07
- Handling HL & LAP, MEL-Micro Enterprises Loan(Secured&Unsecured).
- Conducting personal discussion with customers to analyze credit worthiness.
- Field inspection for customers, KYC, Reference check, Neighbor check, personal verification etc.
- Analyzes customer’s financial history to recommend loan.
- To approve files for Login in Ayefin software.
- Ensuring proposals as per companies credit norms.
- Ensuring the awareness call to the customer for the first EMI presentation.
- Update MIS report to Branch and Cluster manager on a daily and monthly basis.
- Maintained accurate records of all customer interactions including notes on conversations and decisions made.
- Coordinated with legal teams when necessary to ensure compliance with applicable laws and regulations.
Sales Executive
Bajaj Housing Finance
salem , TN
12.2017 - 07.2019
- Designation as “Sales executive” in Housing loan department.
- Developed and implemented sales strategies to meet customer needs and increase revenue.
- Cultivated relationships with existing customers to encourage repeat business.
- Resolved customer complaints in a timely manner while providing excellent customer service.
- Used cold calling and networking to sell products and services.
- Sourced new sales opportunities through inbound lead follow-up.
Sales Associate
L&T Housing finance
salem , TN
08.2016 - 11.2017
- Designation as “sales associate”
- Processed loan applications, including verifying accuracy of all documentation submitted by applicants.
- Negotiated terms of loan agreements with borrowers in accordance with company policies and procedures.
- Reviewed existing loans to identify opportunities for refinancing or restructuring of payments as needed.
- Collaborated with internal departments such as accounting or collections when necessary.
Quality controller
TENNECO AUTOMATIVE INDIA PVT LIMITED
Hosur , TN
03.2014 - 01.2015
- Designation as “Quality controller” in production department.
- Tested incoming raw materials against predetermined physical characteristics prior to use in production processes.
- Monitored production processes and performed in-process inspections on components and materials.
- Inspected parts at various stages throughout the assembly line process using precision measuring instruments like calipers and micrometers.
- Reviewed inspection reports for accuracy prior to submission for approval by higher management.
- Maintained records of inspection results, test data, and other related information.
Education
MBA - Human Resource Management
Annamalaiuniversity
Chidambaram2015
B.E - Mechanical Engineering
The Kavery College Of Engineering AnnaUniversity
Salem2013
HSLC - State Board
N.S.H.S.School
SalemSSLC - State Board
N.S.H.S.School
Salem2009
Skills
FAVORABLE PERSONALITY TRAITS:
- Ability to work in a team with diverse backgrounds
- Strong commitment to quality
- Determination, Dedication and discipline
- Willing to learn and adapt to new opportunities and challenges
- Strong organizational and time management skills
- Ability to take initiative and work under pressure
- Excellent negotiation and interpretation skills
KEY STRENGTHS:
- Updated knowledge of the banking laws and loan processing regulations
- Familiar with the loan procedures and eligibility requirements
- Excellent documents management abilities and reporting skills
- Ability to update records and keep track of the loan files in process
- Skilled at maintaining constant communication and coordination with clients
Accomplishments
- Name : M
- Mahendran
- Father name : Mani
- Mother name : Chinnaponnu
- Spouse Name : Deepa
- Date of birth : 19-06-1992
- Age : 29
- Gender : Male
- Marital Status : Married
- Nationality : Indian
- Religion : Hindu
- Language known : Tamil, English
Work Preference
Work Type
Full TimeImportant To Me
Company CultureWork-life balanceCareer advancementTeam Building / Company RetreatsPersonal development programsLanguages
English
Upper intermediate (B2)
Tamil
Bilingual or Proficient (C2)
As Assistant Credit Manager, I have developed a strong background in credit evaluation, analyzing financial records,
and assessing risks. Through this position, I have gained experience analyzing credit applications, identifying potential risks
and determining creditworthiness. Working with diverse clients and understanding their specific needs have honed my
skills in analyzing financial statements.
I am confident that these skills, which I have developed as an Assistant Credit Manager.I possess strengths in time management, communication. I'm Looking forward to improving my knowledge and personal skills.
Timeline
Assistant credit manager
Varthana finance pvt Ltd, Location
2022 - Current
Branch Credit Officer
Aye finance Pvt ltd
2019.11 - 2022.07
Sales Executive
Bajaj Housing Finance
12.2017 - 07.2019
Sales Associate
L&T Housing finance
08.2016 - 11.2017
Quality controller
TENNECO AUTOMATIVE INDIA PVT LIMITED
03.2014 - 01.2015
MBA - Human Resource Management
Annamalaiuniversity
B.E - Mechanical Engineering
The Kavery College Of Engineering AnnaUniversity
HSLC - State Board
N.S.H.S.School
SSLC - State Board
N.S.H.S.School
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