Subrat Kumar Jena
Dhenkanal
Summary
I desire to get an opportunity to work in a professionally managed organization, where I will get an opportunity to utilize my skills to the optimum level.
Seasoned Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
5
5
years of professional experience
Work History
Credit Manager- ( Secured & Unsecured )
Annapurna Finance Pvt Ltd
Kuakhia
07.2024 - Current
- Prepare details credit proposal with financial analysis and credit bureau checks etc
- Undertake due diligence and eligibility checks for leads received from sales officers.
- Place the proposal above 10 lacks before the Area credit manager for SancƟon.
- Conduct physical visits to applicant residences, work places and collateral locations and neighborhood reference checks.
- Manage the credit application process, right from login to disbursement.
- Manage post disbursement documents and partly disbursed cases.
- Co-ordinate with legal, technical and Risk containment unit agency for processing the file.
- Responsible for TAT of Delivery sanction letter and disbursement.
- Collect 0 to 12 MOB Collection
- Complete the Audit Compliance from files
- Generate MIS on Daily/monthly/yearly basis on Excel.
Branch Credit officer -Home Loan (Secured)
Mahindra Home finance
Dhenkanal
06.2023 - 07.2024
- Prepare details credit proposal with financial analysis and credit bureau checks etc
- Undertake due diligence and eligibility checks for leads received from sales officers.
- Place the proposal above 10 lacks before the Area credit manager for SancƟon.
- Conduct physical visits to applicant residences, work places and collateral locations and neighborhood reference checks.
- Manage the credit application process, right from login to disbursement.
- Manage post disbursement documents and partly disbursed cases.
- Co-ordinate with legal, technical and Risk containment unit agency for processing the file.
- Responsible for TAT of Delivery sanction letter and disbursement.
Credit Operation Executive (COE) in Secured Business & Personal Loan
Cholamandalam investment & Finance Company Limited
Sambalpur
05.2022 - 05.2023
- Manage the credit application process, right from login to disbursement.
- Co-ordinate with legal, technical and Risk containment unit agency for processing the files
- Managing queries and pending document.
- Providing strategic and tactical implementation expertise.
- Responsible for TAT of Delivery sanction letter and disbursement.
Credit Process Analyzer (CPA) in Agriculture Credit Department
ICICI BANK
Sambalpur
11.2020 - 03.2022
- Generate MIS on Daily/monthly/yearly basis on Excel.
- Manage the credit application process, right from login to sanction.
- Managing queries and pending documents.
- Responsible for TAT of Delivery sanction letter and disbursement.
- Analyze and maintain large quantity of data.
Education
Graduation - Bcom
Anchalika Degree College
Dhenkanal06-2019
Intermediate - Arts
Dhenkanal Autonomous College
Dhenkanal01.2016
Matriculation -
Dandimal HighSchool
Dhenkanal01.2014
Skills
- Online communication
- Time & Value management
- Planning & administration
- Manpower/vendor Management
- Process management
- OS Platform (Windows XP, Windows 7, Windows 10)
- Office software (MS Excel, MS Word, MS Outlook, MS office products)
- Adaptability
- Effective decision maker
- Analytical skills
- Positive attitude
- Supports Teamwork
- Credit analysis
- Credit underwriting
- Risk assessment
- Compliance auditing
- Sales collaboration
- Report generation
- Document management
Disclaimer
I do hereby declare that the above statements are complete, correct and true to the best of my knowledge & belief.
Hobbies and Interests
- Playing outdoor games
- Internet surfing
Personal Information
- Father's Name: Kamal Lochan Jena
- Date of Birth: 26/09/1998
- Gender: Male
- Marital Status: Unmarried
Timeline
Credit Manager- ( Secured & Unsecured )
Annapurna Finance Pvt Ltd
07.2024 - Current
Branch Credit officer -Home Loan (Secured)
Mahindra Home finance
06.2023 - 07.2024
Credit Operation Executive (COE) in Secured Business & Personal Loan
Cholamandalam investment & Finance Company Limited
05.2022 - 05.2023
Credit Process Analyzer (CPA) in Agriculture Credit Department
ICICI BANK
11.2020 - 03.2022
Graduation - Bcom
Anchalika Degree College
Intermediate - Arts
Dhenkanal Autonomous College
Matriculation -
Dandimal HighSchool
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