Rachana Kumari

A dedicated and result-driven professional with 12+ years of comprehensive expertise in the Banking and BFSI sector managing complex portfolio of commercial, corporate and retail loans, I excel in Relationship and Stakeholder Management, Loan Servicing, Lending Operations, Credit underwriting, Credit Appraisal, credit risk assessment and Financial Research across different asset class. Diligently processed approximately 500 loans and reviewing collateral. I ensure stringent adherence to TAT guidelines while maintaining quality and adherence to fair lending, RBI Guidelines and banking regulations. Adept at managing teams, adhering to regulatory frameworks, and fostering digital customer engagement, I drive business growth through innovative strategies and process enhancements. Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths.

• Centralized Standard Operating Procedures(SOP) into a live excel document, improved the accuracy and efficiency of the communication workflow and improved TAT by 40%.
• Created a standard 50 FAQs for performing ad-hoc-analysis and as a process of mitigation of risk factor.
• Analyzed bank's financial statement to help colleagues understand industry trends, shared findings in easy to understand documents through internal communication tools, improving awareness about our organization