SUJATA TUPE.
AURANGABAD
Summary
Dedicated Credit Manager with extensive experience at Nido Home Finance, excelling in credit analysis and loan underwriting. Proven ability to enhance portfolio quality and manage turnaround times effectively. Strong decision-making skills and a keen business sense drive successful credit assessments, ensuring optimal risk management and informed lending decisions.
Overview
19
19
years of professional experience
Work History
CREDIT MANAGER
NIDO HOME FINANCE FORMERLY KNOWN AS EDELWEISS HOUSING FINANCE LTD, CREDIT DEPT.
CHHATRAPATI SAMBHAJINAGAR & KOLHAPUR.
12.2017 - Current
- Oversaw credit operations in HL/LAP department, maintained compliance with lending policies and procedures.
- Managed credit assessment processes for various loan applications.
- Evaluated borrower creditworthiness using comprehensive credit analysis tools.
- Collaborated with cross-functional teams to enhance credit policy frameworks.
Loan Processing Assistant
I- PROCESS SERVICES, (ICICI BANK LTD) CREDIT DEPT. A'BAD.)
Chhatrapati Sambhajinagar
01.2015 - 12.2017
- HOME LOANS & LAP
Loan Officer
VENKATESH FINANCIAL SERVICES, A'BAD.
Chhatrapati Sambhajinagar
01.2010 - 12.2014
- HOME LOANS & LAP
Credit Processing Associate
ANDROMEDA MARKETING SERVICES PVT LTD. PUNE.
PUNE
02.2008 - 02.2009
- PERSONAL LOAN
Credit Coordinator
RELIGARE FINVEST LIMITED – PUNE.
PUNE
07.2007 - 01.2008
- A RANBAXY GROUP, PL
Education
B. COM -
DIPLOMA - SOFT WARE ENGINEERING
Skills
- Well-rounded experience with managing credit, operations
- Strong knowledge of Market, Income documents and property Check
- Strong financial analytical and credit underwriting skills in order to review applications and make the most appropriate credit decisions based on the risk level
- Ability to Manage TAT, portfolio quality
- Time management skills
- Critical decision-making skills, good business sense and commercial awareness
- Credit analysis
- Loan underwriting
- Problem solving
- Decision making
- Credit risk management
- Loan decision assessments
Disclaimer
I HERE BY DECLARE THAT ALL THE INFORMATION GIVEN ABOVE IS TRUE TO MY KNOWLEDGE. THANKING YOU
ESSENTIAL DUTIES AND RESPONSIBILITIES: -
- Review Loan application, financial documents and credit reports.
- Assess Income, liability and repayment capacity.
- Ensure compliances with internal policies and regulatory standards.
- Collaborate with sales, operations and collection team.
- Maintain underwriting records and improve underwriting criteria.
- Business PD to be done at business premises OR Telephonic PD for Salaried customers.
- Interact directly with customers & understand the business and regularly monitor delinquencies / infants.
- Decision making within defined TAT.
- Coordinates with third-party vendors for Technical, Legal, LIP PD, FI, RCU, and Business PD.
- Make sure that all the collaterals Title documents are as per policy. Checking all the Original Registered Documents of the Property as per Lawyer reports.
- Manage the credit approval process for new and existing customers
- Checking the disbursement dockets and it has been process in system.
- Monitor and analyse credit risk, delinquency, and collections
- Oversee branch operations, including customer service, loan processing, and disbursements.
- Collaborate with other departments to improve operational efficiency and customer satisfaction.
- Maintain Tracking of OTC and PDD documents. OTC / PDD Management.
- Interact with auditors for loan review, compliance.
EXPERIENCE SUMMERY : -
- WORK EXPERIENCE : - TOTAL APPROX. 19 YRS.
- PREFERRED LOCATION : - NASHIK and CHHATRAPATI SAMBHAJINAGAR.
Accomplishments
- Best Performer (Underwriting) in Mortgages - Silver - 2022
Timeline
CREDIT MANAGER
NIDO HOME FINANCE FORMERLY KNOWN AS EDELWEISS HOUSING FINANCE LTD, CREDIT DEPT.
12.2017 - Current
Loan Processing Assistant
I- PROCESS SERVICES, (ICICI BANK LTD) CREDIT DEPT. A'BAD.)
01.2015 - 12.2017
Loan Officer
VENKATESH FINANCIAL SERVICES, A'BAD.
01.2010 - 12.2014
Credit Processing Associate
ANDROMEDA MARKETING SERVICES PVT LTD. PUNE.
02.2008 - 02.2009
Credit Coordinator
RELIGARE FINVEST LIMITED – PUNE.
07.2007 - 01.2008