Nitesh Kumar
Banker
Mansa
Summary
Knowledgeable financial professional experienced in assessing credit viability for retail borrowers. Good organizational and critical thinking skills. Offering 3 years of related experience. Effective at keeping customer loans in line with bank and legal guidelines through systematic assessments of property values and borrower histories. Dedicated to optimizing bank portfolios by balancing risk with profitability. Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
3
3
years of professional experience
3
3
Languages
Work History
Credit Officer
Bank Of India
08.2022 - Current
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Adhered to banking standards and government lending guidelines for loan services.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Prepared reports of findings and recommendations.
Clerk
Punjab Gramin Bank
03.2021 - 07.2022
- Drove customer loyalty and consistent sales through friendly service and knowledgeable assistance.
- Produced high-quality communications for internal and external use.
- Interacted with customers by phone, email, or in-person to provide information.
- Provided quality clerical support through data entry, document management, email correspondence, and overseeing operation of office equipment.
Education
MBA - Banking And Finance
04.2001 -
Bachelor of Arts - Geography Political Science And History
04.2001 -
Skills
Financial Statement Review
undefinedPlaying Cricket and reading novels.
I love to play Cricket and read novels during my free time.
Timeline
Credit Officer - Bank Of India
08.2022 - Current
Clerk - Punjab Gramin Bank
03.2021 - 07.2022
Chandigarh University - MBA, Banking And Finance
04.2001 -
Panjab University - Bachelor of Arts, Geography Political Science And History
04.2001 -
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