Ravi Kumar
Ratia
Summary
Results-driven Manager experienced in financial statement review, auditing and reporting. Well-versed in credit appraisal, evaluating inherent risk, export credit and handling month- and year-end closings. Meticulous, conscientious and methodical in approach.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Manager
Punjab And Sind Bank
04.2021 - Current
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Developed strategies to expedite payments and customer resolutions.
- Complied with established internal controls and policies.
- Conduct internal due diligence.
- Assess inherent risk in mortgage based loan
- Conduct pre sanction visit and credit appraisal.
- Dealing with export credit in authorized dealer branch
Officer
Punjab And Sind Bank
08.2016 - 03.2021
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Developed strategies to expedite payments and customer resolutions.
- Complied with established internal controls and policies.
- Conduct internal due diligence.
- Assess inherent risk in mortgage based loan
- Conduct pre sanction visit and credit appraisal.
Education
Master of Commerce - Commerce
SVSU MEERUT
MEERUT03.2021
Bachelor of Commerce - Commerce
CDLU SIRSA
Sirsa, India06.2014
Skills
- Credit Reports
- Risk Assessments
- Loan Origination
- Financial Interpretation
- Credit Scoring
- Credit Analysis/appraisal
Certification
- JAIIB
- CAIIB
- Certified Credit Professional (IIBF)
Languages
Hindi
Bilingual or Proficient (C2)
Punjabi
Advanced (C1)
English
Upper intermediate (B2)
Timeline
Manager
Punjab And Sind Bank
04.2021 - Current
Officer
Punjab And Sind Bank
08.2016 - 03.2021
Master of Commerce - Commerce
SVSU MEERUT
Bachelor of Commerce - Commerce
CDLU SIRSA
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