Remya R
Bangalore
Summary
Seasoned Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
12
12
years of professional experience
Work History
Credit Manager
Bank of maharashtra
Bangalore
06.2022 - Current
- Ensured timely and accurate processing of all credit transactions.
- Developed and maintained relationships with customers to ensure prompt payments on accounts receivable.
- Monitored customer account details for non-payments, delayed payments and other irregularities.
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Evaluated customer applications for credit limits in accordance with established guidelines.
- Assisted external auditors by providing requested documentation pertaining to customer accounts.
- Maintained a current knowledge base of applicable laws governing commercial credit transactions.
- Completed ongoing professional training to facilitate accurate and productive credit management.
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
- Established maximum loan amounts according to underwriting standards and communicated decisions to customers.
- Provided guidance on underwriting procedures to junior staff members.
- Assessed potential risks associated with each transaction prior to approving loans.
- Ensured timely submission of all documents needed for closing transactions.
Processing Officer Retail Department
Bank of maharashtra
Bangalore
08.2020 - 06.2022
- Reviewed and processed incoming applications for accuracy and completeness.
- Verified documents to ensure compliance with regulations.
- Compiled, sorted and verified data from multiple sources.
- Reviewed loan applications and credit documents to determine customer eligibility for loans.
- Compiled financial information from customers, such as income statements and bank statements, to evaluate their creditworthiness.
- Conducted interviews with potential borrowers to assess creditworthiness and collect additional documentation as needed.
- Analyzed borrower's financial data including income, assets, debts, expenses, and other liabilities prior to approving a loan application.
- Assisted in the preparation of loan documents according to established processes and procedures.
Bank Branch Manager
Bank of maharashtra
Calicut
08.2017 - 06.2020
- Developed and implemented customer service policies to ensure efficient operations of the branch.
- Analyzed financial statements, loan applications, and credit reports to determine customers' eligibility for loans.
- Ensured compliance with banking regulations and internal procedures.
Education
Bachelor of Science - Physics And Computer Application
Government College Kariyavattom
Karyavattom04-2011
Skills
- Credit risk management
- Investigations
- Credit evaluations
- Sales proficiency
- Credit analysis
- Loan decision assessments
- Application processing
- Loan reviews
- Adaptability
- Multitasking Abilities
- Team building
- Financial analysis and reporting
- Problem-solving aptitude
- Accounting management
- Negotiation
- Financial Analysis
Languages
Malayalam
Beginner
A1
English
Upper Intermediate
B2
Hindi
Upper Intermediate
B2
Tamil
Upper Intermediate
B2
Timeline
Credit Manager
Bank of maharashtra
06.2022 - Current
Processing Officer Retail Department
Bank of maharashtra
08.2020 - 06.2022
Bank Branch Manager
Bank of maharashtra
08.2017 - 06.2020
Bachelor of Science - Physics And Computer Application
Government College Kariyavattom
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