Manohar Y P
Chickmagalur
Summary
Result-oriented banking professional with over 2 years 06 Months of experience in Agriculture Rural Lending, customer service, Skilled in building strong client relations, portfolio handling and achieving business targets. Currently working as a Deputy Manager at Ujjivan Small Finance Bank, managing credit procedures and assessing creditworthiness. Proven record of reducing risk and optimizing profitability..
Overview
3
3
years of professional experience
Work History
Credit Officer
Ujjivan Small Finance Bank
09.2023 - Current
- Key Responsibilities:
- Evaluated customer credit applications and conducted due diligence to assess creditworthiness.
- Preparation of Daily Reports.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Optimized lending practices by maintaining up-to-date knowledge of industry trends and regulatory requirements.
- Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
- Streamlined loan approval processes with the development of standardized credit policies and procedures.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Adhered to banking standards and government lending guidelines for loan services.
- Checked appraisals, title information and insurance documents for each property.
- Trained new team members on company-specific processes, ensuring consistent standards across the credit department.
- Improved cross-functional collaboration, working closely with sales and operations teams to meet business objectives.
- Collaborated closely with underwriting teams to ensure a seamless process from application submission to loan disbursement for clients.
- Mentored junior staff members in best practices related to credit analysis, instilling a culture of accuracy and diligence within the team.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Monitored accounts for signs of fraud and non-payment issues.
- Developed strong relationships with clients through regular communication and excellent customer service.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
Relationship Manager
IDFC First Bank
07.2022 - 09.2023
- Key Responsibilities:
- Evaluated clients' financial situations to identify loan needs and goals and ensured all loan funding conditions were met, and documents were finalized before authorization and
- Managing and resolving customer complaints promptly to enhance customer satisfaction and loyalty.
- Confirmed loan renewal and closing dates; prepared and submitted closing documents.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Consistently exceeded quarterly sales goals by cultivating a strong network of professional contacts and referrals.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
- Provided exceptional customer service, resolving issues promptly and maintaining client trust throughout the resolution process.
- Participated in staff meetings to discuss innovative strategies to improve services.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Coordinated efforts between various departments such as sales, credit assessment, operations teams for smooth delivery of services to clients.
Education
B.com
IDSG College Kuvempu University
05-2016
Skills
- Portfolio Management and Loan Processing
- Effective Communication and Negotiation
- Credit analysis
- Documentation management
- Quality controls
- Credit assessments
- Credit reports
Disclaimer
I hereby declare that the information provided above is true and correct to the best of my knowledge and belief. Signature: Date: 2025-05-25 Place: Chickmagalur
Languages
English
kannada
Hindi
Timeline
Credit Officer
Ujjivan Small Finance Bank
09.2023 - Current
Relationship Manager
IDFC First Bank
07.2022 - 09.2023
B.com
IDSG College Kuvempu University
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