Raj Kumar S
Branch Credit Manager
Avadi
Summary
To work in an environment which encourages me to succeed and grow professionally where I can utilize my skills and knowledge appropriately.
Professional with extensive experience in credit management, skilled in assessing creditworthiness, mitigating risks, and optimizing financial performance. Strong focus on team collaboration and achieving results, known for reliability and adaptability to changing needs. Expertise includes credit analysis, loan processing, and compliance with regulatory standards. Recognized for analytical thinking, effective communication, and leadership abilities.
Overview
5
5
years of professional experience
Work History
Branch Credit Manager
JM FINANCIAL HOME LOANS LTD
Chennai
05.2024 - Current
- Underwriting the salary and business profile case (HL & LAP), Appraising and evaluating client's creditworthiness in Personal discussion with Customer, Check and validate the files to meet banking validation as per credit norms, Appraising and evaluating client's creditworthiness in Personal discussion with Customer, Recommending the proposal to Area Credit Manager for further approvals, After approval preparing Sanction Letter and Completion of the documentation process(Disbursement Docket), Disbursed process, EMI Awareness Call on Every Month for Less than 12 MOB Cases, EMI Bounce case EMI Collection, PDD Clearance, Every month Product & Policy Training for My Branch, supporting for other Branch PD & Recommendations. Every month travel to other Branches for supporting purpose.
Credit - Credit Process Associate
JM FINANCIAL HOME LOANS LTD
Chennai
02.2022 - 02.2024
- Underwriting the salary profile case (HL & LAP), TN login & Disbursement related COPS Co-ordinate, MIS Maintain, Login query raised, Banking & CIBIL check, Certificate online verification, MIFIN CAM Preparation.
Document Officer
EQUITAS SMALL FINANCE BANK
Chennai
02.2021 - 02.2022
- Documents Check And Collection, Login Query Raised And MIS Maintain.
- Managed approximately 30 incoming calls, emails and faxes per day from customers
Education
B.B.A -
D.R.B.C.C.C. Hindu Collage, Under University of Madras
Chennai01-2018
HSC -
Government Boys Higher Secondary School
Chennai01-2015
SSLC -
AVADI MUNICIPAL HIGHER SECONDARY SCHOOL, AVADI
Chennai01-2013
Skills
Collateral evaluation
Portfolio management
Credit analysis
Credit scoring
Debt restructuring
Policy development
Credit reports
Risk assessments
Risk analysis
Loan underwriting
Team management
Problem-solving
Timeline
Branch Credit Manager
JM FINANCIAL HOME LOANS LTD
05.2024 - Current
Credit - Credit Process Associate
JM FINANCIAL HOME LOANS LTD
02.2022 - 02.2024
Document Officer
EQUITAS SMALL FINANCE BANK
02.2021 - 02.2022
B.B.A -
D.R.B.C.C.C. Hindu Collage, Under University of Madras
HSC -
Government Boys Higher Secondary School
SSLC -
AVADI MUNICIPAL HIGHER SECONDARY SCHOOL, AVADI