RISHABH SOOD
CREDIT OFFICER BANK OF BARODA
BANGLORE
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. Knowledgeable financial professional experienced in assessing credit viability for borrowers.
Overview
7
7
years of professional experience
5
5
years of post-secondary education
2
2
Certifications
2
2
Languages
Work History
Credit Officer
Bank of Baroda
Banglore
04.2019 - Current
- Recommended approval or disapproval of retail and MSME commercial, Agriculture or credit loans.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Organized and finalized loan applications for underwriter review.
- Used [LLPS] and Finacle to perform credit appraisals, document verification and loan approvals.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Prepared reports of findings and recommendations.
Relationship Manager, Banking Operations
Bank of Baroda
Banglore
04.2019 - Current
- Monitored issues carefully and reached out to customers to provide immediate resolution and maintain satisfaction.
- Generated new business and referral clients in partnership with financial advisors and branch team.
- Worked with Insurance and Credit card departments to facilitate communication and deliver personalized solutions to customers.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Educated customers about products options and processed purchases in Banking
- Adhered to established security procedures and reported potential fraud or safety violations to management for immediate recourse.
Education
MBA - Finance And Marketing
07.2015 - 09.2017
BBA - BBA Finance And Marketing
06.2012 - 04.2015
Skills
Financial statement review
Certification
CERIFIED CREDIT ANAYLIST MOODY'S
Timeline
CERIFIED CREDIT ANAYLIST MOODY'S
04-2022
Credit Officer - Bank of Baroda
04.2019 - Current
Relationship Manager, Banking Operations - Bank of Baroda
04.2019 - Current
ACCOUNTS PRO
05-2017
DR YS PARMAR UNIVRSITY - MBA, Finance And Marketing
07.2015 - 09.2017
Himachal Pradesh University - BBA, BBA Finance And Marketing
06.2012 - 04.2015
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