MOHIT NEGI
CREDIT MANAGER
SHAHJAHANPUR
Summary
Patient Credit Manager possessing vast understanding of credit reporting agencies and in-depth knowledge of job-related software, including FINACLE. Bringing 9+ year background managing credit files, analyzing credit applications and monitoring credit reviews. Comfortable working in team-setting and using logical approaches to find best solutions to complex problems.
Overview
9
9
years of professional experience
4
4
years of post-secondary education
Work History
CREDIT MANAGER
BANK OF BARODA
SHAHJAHANPUR
10.2020 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Monitored accounts for signs of fraud and non-payment issues.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Reviewed and analyzed loan procedures.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
Human Resources Manager
BANK OF BARODA
SHAHJAHANPUR
02.2020 - 09.2020
- Organized and led staff orientation programs and training to promote collaboration.
- Evaluated employee onboarding programs and presented strategic improvement recommendations to upper management.
- Maintained payroll and benefits for employees in various locations, minimizing financial discrepancies through detailed program management.
- Used technologically relevant digital systems to manage payroll and benefits programs.
- Retained 100% protocol on management tools and procedural accuracy.
- Provided resolution to complex and confidential issues.
- Processed employee claims involving performance issues and harassment.
- Motivated employees through special events and incentive programs.
Digital Manager
BANK OF BARODA
SHAHJAHANPUR
05.2017 - 01.2020
- Analyzed and reported digital campaign performance with focus on program optimization.
- Managed, coached and developed direct reports.
- Educated clients on services and digital channels.
- On boarding of merchants on various Digital platforms
- ATM management, Cash Management & Up time maintenance of ATMs and Cash Recyclers
Branch Manager
BANK OF BARODA
KASHIPUR
05.2013 - 04.2017
- Forecasted trends and recommended improvements based on financial risk analyses.
- Complied with regulatory guidelines and requirements.
- Examined customer loan applications for loan approvals and denials.
- Implemented service improvements to enhance sales cycle.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Identified partnership opportunities and established favorable business connections.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Assessed employee performance and developed improvement plans.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring and termination processes and coaching employees on company protocol and payroll operations.
- Evaluated project applications and verified with outline specifications to approve, reject and recommend adjustments.
- Generated financial and operational reports to assist management with business strategy.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Gathered and reviewed customer feedback to improve operations.
- Maintained friendly and professional customer interactions.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Submitted loan applications to underwriter for verification and recommendation.
Education
Bachelor of Technology - COMPUTER SCIENCE
UTTARAKHAND TECHNICAL UNIVERSITY
DEHRADUN 05.2007 - 05.2011
Skills
Authorizations understanding
undefinedTimeline
CREDIT MANAGER
BANK OF BARODA
10.2020 - Current
Human Resources Manager
BANK OF BARODA
02.2020 - 09.2020
Digital Manager
BANK OF BARODA
05.2017 - 01.2020
Branch Manager
BANK OF BARODA
05.2013 - 04.2017
Bachelor of Technology - COMPUTER SCIENCE
UTTARAKHAND TECHNICAL UNIVERSITY
05.2007 - 05.2011
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