Pankaj Joshi
Dehradun
Summary
Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values.
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Sr. Credit Officer
M/s HDFC Sales Private Limited
02.2018 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Investigated and resolved customer disputes related to credit decisions.
- Made decisions and recommendations about extending lines of credit.
- Improved understanding of financial statements, which helped in assessing risk.
- Organized and finalized loan applications for underwriter review.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Optimized credit approval and collection processes, improving operational efficiencies by over 90%
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts
- Reviewed and verified income, credit reports and employment histories for each borrower
- Made decisions and recommendations about extending lines of credit
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests
- Improved understanding of financial statements, which helped in assessing risk
Sr. Business Development Executive
M/s Dewan Housing Finance Limited
04.2017 - 10.2017
- Collaborated with sales and marketing departments to support client acquisition.
- Kept meticulous client notes and updated account information in company databases.
- Identified business development challenges and customer concerns for proactive resolution.
- Translated customer needs into solution requirements using powerful value propositions and negotiation skills.
- Negotiated and closed long-term agreements with new clients in assigned territory
Customer Relationship Officer
M/s Bharti Airtel Ltd
03.2015 - 03.2017
- Managed customer relations on ongoing basis to maximize customer retention.
- Created customer support strategies to increase customer retention.
- Built long-term, loyal customer relations by providing top-notch service and detailed order, account, and service information.
- Educated customers about Product or Service options and processed purchases.
- Logged call information and solutions provided into internal database.
- Made customers aware of current and new programs and services.
Sales Associate
M/s Home Credit India Finance Private Limited
02.2014 - 01.2015
- Helped customers locate products and checked store system for merchandise at other sites.
- Assessed customer needs and utilized suggestive selling techniques to drive sales.
- Solved customer challenges by offering relevant products and services.
- Engaged with customers to build rapport and loyalty.
- Provided positive first impressions to welcome existing, new, and potential customers.
- Maintained calm demeanor and professionally managed issues in busy, high-stress situations.
- Answered customer questions about sizing, accessories, and merchandise care.
Education
Post Graduate Diploma in Management - Financial Services Marketing Operations
Quantum School of Business
Roorkee09.2013
Bachelor of Computer Applications - Computer Application
NIIT
Dehradun02.2010
Bachelor of Commerce - Finance
D.A.V PG College
Dehradun05.2009
Skills
- Loan Recommendations
- Income Statements
- Creative Solutions
- Corrective Actions
- Client Relationships
- Request Approval
- Financial Data Analyzation
- Field Inspection
- Loan Request Evaluation
- Customer Satisfaction
- Office Operations
- Property Evaluation
- Customer Interaction
- Customer Experience
- Underwriting Processes
- Documentation Preparation
- Credit verification
Accomplishments
Certificate of Recognition from M/s HDFC Sales Private Limited for outstanding performance, superior dedication and positive attitude past 5 years.
Merit Recognition Certificate from NIIT on 4th National IT Aptitude Test.
Certificate of Appreciation from Industries Association of Uttarakhand for helping and contributing in organizing 2nd Ambassador Meet held in Dehradun
Certification
Live Projects During PGDM:
August – September 2012: Project “Business Plan to set up a company in the domain of Event Management operating out of Dehradun.” Under the subject module of Innovation in Entrepreneurship.
January – May 2013: Project titled “Understanding difficulties in implementation of CTS cheque regime in HDFC Bank, Rajpur Road Dehradun, Uttarakhand” under the subject module of Banking Laws and Operations.
Project titled “Comparison of financial reports of HDFC Bank Ltd., Axis Bank Ltd., and ICICI Bank Ltd. of last five (5) years from 2008 to 2012” under the subject module of Financial Report Analysis.
Additional Information
- Understanding work requirements and sharp decision making for a better solution delivery.
- Adaptability in diverse work cultures and environments.
- Ability to learn quickly and incorporate new products.
Timeline
Sr. Credit Officer
M/s HDFC Sales Private Limited
02.2018 - Current
Sr. Business Development Executive
M/s Dewan Housing Finance Limited
04.2017 - 10.2017
Customer Relationship Officer
M/s Bharti Airtel Ltd
03.2015 - 03.2017
Sales Associate
M/s Home Credit India Finance Private Limited
02.2014 - 01.2015
Post Graduate Diploma in Management - Financial Services Marketing Operations
Quantum School of Business
Bachelor of Computer Applications - Computer Application
NIIT
Bachelor of Commerce - Finance
D.A.V PG College
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