Prince Ojha
Credit Officer
New Delhi
Summary
Experienced in Finance and Loan sector with over 6 years of experience in Retails Credit/Mortgage Loans.
Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values.
Skilled at financial analysis and fast loan processing.
Overview
6
6
years of professional experience
6
6
years of post-secondary education
Work History
Credit Officer
HDB Financial Services
New Delhi
11.2019 - Current
- Recommended for approval or disapproval of Auto Loans.
- Organized and finalized loan applications for underwriter review.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Adhered to banking standards and government lending guidelines for loan services.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Motivated and encouraged staff to enhance productivity and meet demanding internal and customer targets.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Used Banking and loan statement application to perform credit appraisals, document verification and loan approvals.
Credit Officer
Mehin Consultancy
New Delhi
01.2017 - 11.2019
- Recommended for approval or disapproval of Two Wheeler Loans and Consumer Loans.
- Organized and finalized loan applications for underwriter review.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Adhered to banking standards and government lending guidelines for loan services.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Motivated and encouraged staff to enhance productivity and meet demanding internal and customer targets.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Used Banking and loan statement application to perform credit appraisals, document verification and loan approvals.
Education
Master of Arts - Political Science And Government
ARSD Ignou University
New Delhi 01.2019 - 01.2022
Bachelor of Arts - English Literature
School of Open Learning ( Delhi University )
New Delhi 05.2015 - 05.2018
Skills
Customer Relations
Loan recommendations
Delinquency monitoring
Credit reports
Application verification
LOS, Flexcube, Finn one Expertise
Financial statement review
Timeline
Credit Officer
HDB Financial Services
11.2019 - Current
Master of Arts - Political Science And Government
ARSD Ignou University
01.2019 - 01.2022
Credit Officer
Mehin Consultancy
01.2017 - 11.2019
Bachelor of Arts - English Literature
School of Open Learning ( Delhi University )
05.2015 - 05.2018
Present Address
HNo-56/B, Street No 6, Deep Enclave, Vikas Nagar Extn, Phase-2, Uttam Nagar, West Delhi-110059.
Present Address
HNo-56/B, Street No 6, Deep Enclave, Vikas Nagar Extn, Phase-2, Uttam Nagar, West Delhi-110059.