Rahul Kumar
Sitamarhi
Summary
- More than 10 years of experience in Credit Sectors( S e c u r e d& U n s e c u r e d Loan ) . To be a part of dynamic organization and contribute my all efforts in the growth of organization. To work in challenging environment where I can experience personnel growth and development. To take advantage of the experience and skill that I have gained during my career.
- Presently associate with Axis Bank ,As an Area Credit Officer working capital loan B2B,MSME Rural lending. Duration : From Sep 2023 -Till date. Job Profile: Responsible for underwriting of deal from 10 lacs to 5 Cr working capital loan. B2B/ MSME AGRI Business loan. Responsible for decisioning business loan of amount less than 40 lacs. Reporting to RCM. Following the process/procedure of the Bank & ensuring compliance to rules & regulations of the finance include lates circulars and notifications. Decision making within defined TAT.
Overview
11
11
years of professional experience
Work History
Credit Underwriter-B2B &MSME Working Capital Loan
Axis Bank
Purnea
09.2023 - Current
- Responsible for underwriting of deal from 10 lacs to 5 Cr working capital loan
- B2B/ MSME AGRI Business loan
- Reporting to RCM
- Following the process/procedure of the Bank & ensuring compliance to rules & regulations of the finance include lates circulars and notifications
- Decision making within defined TAT.
Credit Underwriter-Farm equipment
L&T Finance Purnea,Begusarai & Motihari Area
Purnea
02.2023 - 09.2023
- Underwriting Farm equipment with approval right of Rs 7.5 lac Above 7.5 Lakh ticket size proposal recommended to RCM/NCM
- Handelling three area Purnea ,Begusarai & Motihari
- Conducting Monthly training among Sales/Ops team covering Policy refreshment and many more topic
- Proficient in handling quality Customer service Credit/Operations and building Relationships with various group
- Following the process/procedure of the Co
- & ensuring compliance to rules & regulations of the finance include lates circulars and notifications
- Evaluating the creditworthiness of potential customers
- Decision making within defined TAT
- Manage the entire credit application process right from login to Disbursement RC/PDD updation
- Responsible for check in Internal Dedupe Report, Cibil report
- Responsible for PDC management, non starter and NCL
- Proper documentation checking and credit analysis.
Credit Operation Executive
Indostar Capital finance Ltd.
05.2021 - 02.2023
- Managing credit, underwrite proposals and make decisions on credit approval of deals within empowerment based on credit evaluation criteria, through strategy, design and planning
- Maintenance of a high quality portfolio at the branch
- Innovative profession with proven ability to identify, analyze and solve the problems to increase the customer satisfaction.
Branch Credit Manager
HDB Financial Service Ltd.
12.2020 - 04.2021
- Managing credit, underwrite proposals and make decisions on credit approval of deals within empowerment based on credit evaluation criteria, through strategy, design and planning
- Maintenance of a high quality portfolio at the branch
- Innovative profession with proven ability to identify, analyze and solve the problems to increase the customer satisfaction.
Regional Team Leader
Shriram Transport Finance Company
10.2017 - 12.2020
- Managing credit decision making assigned, through strategy, design and planning
- Innovative profession with proven ability to identify, analyze and solve the problems to increase the customer satisfaction
- Monitoring 14 branches.
Branch Team Leader
Shriram Transport Finance Company
12.2013 - 08.2016
- Handling all credit support work (Credit & Operation) in Muzaffarpur from Dec'2013
- Responsible for coordinating with Credit Committee for seeking waiver/deviation approvals from appropriate authorities in NPA/Chronic cases and subsequent to it closing the contracts
- Process the file maintain MIS, validate track record
- Responsible for Track record validated
- Responsible for PDC management
- Responsible for file Disbursement process
- Proper documentation checking and credit analysis of all Personal loan, Business loan, Mortgage loan & Gold Loan Business Proposals
- Handling all Cash, Cheque Payment, Ledger office work related issues
- Responsible for Bank Reconciliation Statement
- Process opening and closing cash and voucher entry system.
Education
Skills
- WINDOWS XP Professional & Windows 10
Permanentaddress
S/O BHARAT BHUSHAN, AT- WARD 17, MANANPUR MORSAND, RUNNISAIDPUR, DISTT. - SITAMARHI, BIHAR-843328.
Personal Information
- Father's Name: BHARAT BHUSHAN
- Date of Birth: 12/28/1989
- Gender: MALE
- Nationality: INDIAN
- Marital Status: MARRIED
- Religion: HINDU
Languages
- Hindi
- English
Languages
Hindi
First Language
Timeline
Credit Underwriter-B2B &MSME Working Capital Loan
Axis Bank
09.2023 - Current
Credit Underwriter-Farm equipment
L&T Finance Purnea,Begusarai & Motihari Area
02.2023 - 09.2023
Credit Operation Executive
Indostar Capital finance Ltd.
05.2021 - 02.2023
Branch Credit Manager
HDB Financial Service Ltd.
12.2020 - 04.2021
Regional Team Leader
Shriram Transport Finance Company
10.2017 - 12.2020
Branch Team Leader
Shriram Transport Finance Company
12.2013 - 08.2016