Summary
Overview
Work History
Education
Skills
Hobbies and Interests
Personal Information
Accomplishments
Timeline
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Shivam Gautam

Shivam Gautam

Dabra

Summary

Dynamic Gold Loan Officer with a proven track record at Axis Bank Pvt. Ltd., excelling in credit analysis and customer relationship management. Recognized for enhancing loan approval efficiency and fostering strong client connections, driving significant business growth. Adept at negotiating terms and ensuring compliance, delivering exceptional service and support throughout the loan process.

Overview

2
2
years of professional experience

Work History

Gold Loan Officer (GradeAM)

Axis Bank Pvt. Ltd.
06.2023 - Current
  • Advised clients on suitable loan products and repayment options.
  • Evaluated loan applications for creditworthiness and risk assessment.
  • Collaborated with underwriters to finalize loan approvals efficiently.
  • Maintained accurate loan documentation and client records.
  • Assisted clients in navigating the loan process, ensuring clarity and compliance.
  • Educated customers on variety of loan products and available credit options to promote valuable decision-making.
  • Developed and maintained relationships with potential customers to increase loan business.
  • Reviewed loan agreements to confirm completeness and accuracy.
  • Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Reviewed credit histories, income statements, and other financial information of loan applicants.
  • Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
  • Identified needs of customers promptly and efficiently.
  • Provided excellent service and attention to customers when face-to-face or through phone conversations.
  • Worked with cross-functional teams to achieve goals.
  • Recognized by management for providing exceptional customer service.

Sales Executive

Kotak Mahindra Pvt. Ltd.
04.2023 - 06.2023
  • Reviewed loan applications for compliance with company policies and regulations.
  • Developed and maintained strong relationships with clients and partners.
  • Facilitated the collection of required documentation from applicants.
  • Negotiated terms and conditions of loans with customers.
  • Prepared detailed reports on loan status, delinquencies, payoffs, renewals.
  • Performed periodic reviews of existing loans for quality assurance purposes.
  • Performed collections activities when necessary including making outbound calls or emails to delinquent borrowers.
  • Provided guidance to customers on repayment options based on their individual circumstances.
  • Maintained a portfolio of existing loans, monitoring payments and compliance with loan agreements.
  • Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
  • Tracked and managed new leads and followed up on referral business.

Education

MBA -

Mangalmay Institute
MANGALMAY INSTITUTE OF MANAGEMENT & TECHNOLOGY
10-2020

Bachelor's - In Science

Radhakrishna College
Indergarh, Datia
01.2018

Intermediate -

Guru Nanak Public School
Dabra
01.2014

Matriculation -

Guru Nanak Public School
Dabra
01.2012

Skills

  • Good communication
  • Customer relationship management
  • Negotiation skills
  • Portfolio management
  • Financial history documentation
  • Terms negotiation
  • Application status reviews
  • Documentation management
  • Credit analysis
  • Sales expertise

Hobbies and Interests

  • Playing Cricket
  • Net surfing

Personal Information

  • Father's Name: Mr. Ramvaran Gautam
  • Date of Birth: 02/25/96

Accomplishments

  • Gold Loan Rising Star

Timeline

Gold Loan Officer (GradeAM)

Axis Bank Pvt. Ltd.
06.2023 - Current

Sales Executive

Kotak Mahindra Pvt. Ltd.
04.2023 - 06.2023

MBA -

Mangalmay Institute

Bachelor's - In Science

Radhakrishna College

Intermediate -

Guru Nanak Public School

Matriculation -

Guru Nanak Public School

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Shivam Gautam