Mitu Rani
Credit Assessment Officer
Bangalore,Karanataka
Summary
A skilled and experienced credit assessment officer with a keen eye for detail. 8+years of experience in the finance industry, with a proven track record in financial analysis and loan applications with clear understanding of financial statements and credit worthiness. Tactful and pleasant in all frontline manager conversations. Eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Motivated to learn, grow and excel in Banking Industry.
Overview
1
1
Certification
2
2
years of post-secondary education
8
8
years of professional experience
Work History
Senior Credit Assessment Officer
ANZ
Bangalore, Karanataka
11.2018 - Current
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit on customer's loan applications
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Improved understanding of financial statements, which helped in assessing home loan applications.
- Applications are processed in adherence to credit compliance as per recent policies and guidelines.
- Excise through credit worthiness assessment and sound decision making utilizing Credit Authority Discretion (CAD) to extent up to 1.5 million AUD.
- Ensuring fraud and irregulars financial transactions are identified and escalated to risk team.
- Understanding and coordinating client needs and services related issues to provide solutions in adherence to delivery schedules.
- Attending to customer complaints and assisting to resolve queries at earliest.
- Coordinating and interacting with Frontlines/Mobile lenders/bankers over calls or emails to understand customer's financial needs and risk apatite.
- Developed and maintained courteous and effective working relationships.
- Used critical thinking to break down problems, evaluate solutions and make decisions to meet service level agreements (SLAs).
Pre-assessment Officer
ANZ
Bangalore, Karanataka
01.2017 - 09.2018
- Role involved validating and assessing home loan applications, Skill set required to use credit knowledge to make decision regarding customers ability to repay debt.
- Verified postings to ledgers to confirm accurate entry and account balances.
- Reported financial data and updated financial records in ledgers and journals.
- Gathered, evaluated and summarized account data in detailed financial reports.
- Entered financial data into accounting database tool for verification and reconciliation, maintaining accurate transactions all times.
- Frequent communications with front line on workshop deals and relay decisions.
- Research customer requests by gathering all relevant information/data, ensuring all available avenues and sources of information are investigated and all research and investigation is accurately recorded including supporting evidence and documentation.
- Undertake administrative functions following sound research, investigation and assessment
- Set targets of completing 12 application's were successfully achieved.
Loans Disbursement Officer- Small Business Lending
ANZ
Bangalore, Karanataka
07.2013 - 01.2017
- Verification of documents submitted and other details of borrower to validate information provided during submission of loan application.
- Scrutinizing credit score and credit report from letter of offer and other company records like ABN, ASIC and Equifax.
- Validate customer credit rating, market valuation and account details
- Involved in completing online disbursement of funds to customer's nominated account.
- Facilitate settlement process in case of any refinance or purchase of property been mortgaged to bank
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Exceeded goals through effective task prioritization and great work ethic.
- Worked flexible hours; night, weekend, and holiday shifts.
- Identified issues, analyzed information and provided solutions to problems.
- Successfully achieved in processing 10-15 drawdown applications on any business day.
Education
MBA - Finance
Army Public School
Ratnuchak, Jammu 04.2010 - 07.2012
Skills
Credit Assessment
Financial Statement Review
Collateral Risk
Credit Validations and approvals
Delinquency Monitoring
Compliance Assessments
Attention to Detail - Being careful about detail and thorough in completing work tasks
Stress Tolerance - Job requires accepting criticism and dealing calmly and effectively with high stress situations
Active Listening - Giving full attention to bankers undertakings and customer commitments
Customer Relations
Credit Reports
Certification
Credit Authority Discretion (Limit 1.5 Million AUD)
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Venturing new places
Love to travel and explore new places.
Timeline
Senior Credit Assessment Officer
ANZ
11.2018 - Current
Pre-assessment Officer
ANZ
01.2017 - 09.2018
Credit Authority Discretion (Limit 1.5 Million AUD)
01-2017
Loans Disbursement Officer- Small Business Lending
ANZ
07.2013 - 01.2017
MBA - Finance
Army Public School
04.2010 - 07.2012