Remya Raveendran P
CREDIT OFFICER
Tripunithura
Summary
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.
Overview
14
14
years of professional experience
2009
2009
years of post-secondary education
3
3
Certifications
4
4
Languages
Work History
Credit Officer
Lulu Financial Services India Pvt Ltd
11.2021 - Current
- Processing and Documentation of personal Loans & Business Loans
- MIS reporting to higher Officials
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Managed the complete registration process of mandates for personal and business loan customers through NACH, ensuring accurate data entry and compliance with financial regulations
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Facilitated timely decision-making on loan applications through clear communication with internal stakeholders and prompt resolution of any queries or discrepancies.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Adhered to banking standards and government lending guidelines for loan services.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Managed a diverse portfolio of commercial loans, maintaining strong client relationships while mitigating risk exposure for the organization.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Reduced delinquency rates by implementing effective portfolio management strategies.
Senior Accounts Executive
The Muthoot Finance Ltd
09.2010 - 08.2020
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Settlement of pre-closure of loans given to landlord
- Processing of property loan to landlord of branch premises, preparation of EMI chart for the deduction of installment from the amount of rent to be paid and documentation
- Preparation of statements for settlements and credit reports for the review of top management
- Reviewed and analyzed loan procedures.
- Monitoring, analyzing the performance of the branches and follow up of monthly target achievement and of various personal loan schemes in coordination with respective branches and regional offices
- Involved in taking credit decisions up to a certain amount for new and existing accounts by allowing grace period and interest concession
- Preparation of monthly scheme wise reports and find out the yield by using weighted average method
- Handling emails and to co ordinate with regional & corporate office & other administrative day-to-day activities
Education
B.com -
Govt College
Plus 2 - undefined
SSLC - undefined
MBA - Finance and Marketing
Sree Narayana Guru Institute of science & Technology
Skills
- Team Player
- Proactive
- Industrious
- Self Motivated
- Tally ERP 9
- Financial statement review
- Risk analysis
- Credit analysis
- Risk assessment
- Portfolio management
- Data interpretation
- Credit scoring
- Documentation review
Certification
Personality Development Training, Mr. Mani Paul, Muthoot Finance Training Centre
Projectshandled
- Dhanalakshmi Bank, Ernakulam, Kerala, Liquidity analysis, 3 months, The aim of the project is to study and analyze liquidity position of the bank
- Madras Cements Ltd, Chennai, Tamil Nadu, Organizational Study, 1 month, The aim of the project is to study and analyze the status and Performance of the company, functions of each department and to know the future outlook of the company
Personal Information
- Date of Birth: 25/05/85
- Gender: Female
Disclaimer
I hereby declare that the above furnished details are fully true to the best of my knowledge and belief.
Reading,drawing,designing and stitching
Reading books,Pattern Making & Garment Construction,Stitching & Sewing Techniques,Drawing and sketching
Timeline
Credit Officer
Lulu Financial Services India Pvt Ltd
11.2021 - Current
Senior Accounts Executive
The Muthoot Finance Ltd
09.2010 - 08.2020
Plus 2 - undefined
SSLC - undefined
Personality Development Training, Mr. Mani Paul, Muthoot Finance Training Centre
Roldand Micro Blocks Desensitization (RMBD), Mr. Vipin Roldent, Sree Narayana Guru Institute of Science & Technology
Certified in Tally, MS Office & C++
B.com -
Govt College
MBA - Finance and Marketing
Sree Narayana Guru Institute of science & Technology
Similar Profiles
Birendra KaparwanBirendra Kaparwan
Manager at SS&C Globeop Financial Services India Pvt. Ltd.Manager at SS&C Globeop Financial Services India Pvt. Ltd.
Sibten SingaporewalaSibten Singaporewala
IT Team Leader at Lulu India Shopping Mall Pvt LtdIT Team Leader at Lulu India Shopping Mall Pvt Ltd
Subin SudevanSubin Sudevan
Associate Director - Operations at SSNC GlobeOp Financial Services (India) Pvt. Ltd.Associate Director - Operations at SSNC GlobeOp Financial Services (India) Pvt. Ltd.