MS Excel
Richa Vashishtha
Credit Officer
Gurgoan
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
11
11
years of professional experience
4
4
years of post-secondary education
2
2
Languages
Work History
Credit Officer
Shubham Housing Development Finance Company Ltd
Gurgaon
09.2018 - Current
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Used Finone perform credit appraisals, document verification and loan approvals.
- Organized and finalized loan applications for underwriter review.
- Worked with clients to define and implement terms for approved credit requests.
- Monitored accounts for signs of fraud and non-payment issues.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Collaborated with management to evaluate credit strategies and develop improvements.
Credit Officer
TATA CAPITAL HOME FINANCE LIMITED
Faridabad
05.2015 - 08.2018
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Used Finone to perform credit appraisals, document verification and loan approvals.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Checked appraisals, title information and insurance documents for each property.
- Organized and finalized loan applications for underwriter review.
- Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Updated client accounts with new information and verified data for informed credit approvals.
Credit Officer
IDBI Bank
Agra
06.2011 - 04.2015
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Checked appraisals, title information and insurance documents for each property.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Kept records of customers' charges and payments.
- Monitored accounts for signs of fraud and non-payment issues.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
- Updated client accounts with new information and verified data for informed credit approvals.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
Education
Bachelor of Science - Maths
Agra University
Agra 04.2008 - 05.2011
MBA - Banking And Financial Support Services
Deepshikha Kala Sansthan
Jaipur 04.2022 - Current
Skills
Credit validations
Compliance assessments
Collateral risk
Financial statement review
Appraisal review
Policy application
Risk Assessment
Software
MS word
Finone Software
Interests
Playing Outdoor Games
Traveling
Timeline
MBA - Banking And Financial Support Services
Deepshikha Kala Sansthan
04.2022 - Current
Credit Officer
Shubham Housing Development Finance Company Ltd
09.2018 - Current
Credit Officer
TATA CAPITAL HOME FINANCE LIMITED
05.2015 - 08.2018
Credit Officer
IDBI Bank
06.2011 - 04.2015
Bachelor of Science - Maths
Agra University
04.2008 - 05.2011