Sujit Pathak
Churk sonbhadra
Summary
Dynamic Credit Officer with proven expertise at Utkarsh Small Finance Bank in credit analysis and financial evaluation. Adept at enhancing customer satisfaction through effective communication and problem-solving. Recognized for maintaining compliance and facilitating timely loan approvals, ensuring a seamless lending process while supporting sales initiatives.
Overview
7
7
years of professional experience
8
8
years of post-secondary education
Work History
Credit Officer
Utkarsh small finance bank
Jaunpur
12.2022 - 03.2026
- Evaluated credit applications to determine risk and eligibility.
- Analyzed financial statements for creditworthiness assessments.
- Reviewed customer accounts to ensure compliance with lending policies.
- Communicated with clients regarding credit decisions and requirements.
- Collaborated with sales teams to facilitate timely credit approvals.
- Maintained detailed records of credit evaluations and decisions.
- Collected and checked borrower income, credit history and employment information.
- Followed banking requirements and government lending regulations.
- Worked closely with collections departments in order to ensure timely payments from customers.
Retail Cashier
Sharp interprises kamachha varanasi
Varanasi
05.2019 - 08.2021
- Operated cash register efficiently during busy retail hours.
- Processed customer transactions accurately and quickly.
- Assisted customers with product inquiries and provided recommendations.
- Trained new cashiers on register procedures and customer service standards.
- Stocked shelves when needed and kept the sales floor neat and organized.
- Maintained clean, orderly and well-stocked register area.
Education
Bachelor of Computer Applications -
Dr. C V Raman University
Varanasi , India 05.2016 - 05.2020
Bachelor of Computer Applications -
Dr C V Raman University
Varanasi , India 05.2016 - 05.2020
J J I C Churk Inter College
Churk Sonbhadra , India Skills
- Credit analysis
- Financial evaluation
- Time management
- Cash flow forecasting
- Document evaluations
- Quality controls
- Sales support
- Loan disbursements
- Request approval
- Customer service
- Self motivation
- Problem-solving abilities
- Data entry
- Microsoft Excel
Languages
English
Beginner (A1)
A1
Hindi
Intermediate (B1)
B1
Timeline
Credit Officer
Utkarsh small finance bank
12.2022 - 03.2026
Retail Cashier
Sharp interprises kamachha varanasi
05.2019 - 08.2021
Bachelor of Computer Applications -
Dr. C V Raman University
05.2016 - 05.2020
Bachelor of Computer Applications -
Dr C V Raman University
05.2016 - 05.2020
J J I C Churk Inter College