SUNETRA PAUL
SHYAMNAGAR NORTH 24 PARGANA GARULIA MUNICIPALITY
Summary
To become a valuable asset by playing a meaningful role in the growth and prosperity of the organization as well as of oneself. To obtain position in financial institutions where I can effectively implement my skills, ideas and experience to achieve assigned sales target. Expecting a challenging and dynamic career where I can apply my knowledge and skill development. To work in a company with an effective environment conductive for personal success, intellectual growth and career advancement and to achieve a position that would offer job satisfaction and channels for gain of knowledge.
Skilled Branch Credit Manager with broad experience in overseeing credit operations, developing efficient loan procedures, and managing risk. Strong analytical skills and adept at making informed decisions on loan approvals based on comprehensive financial analyses. Notable for improving credit processes and consistently maintaining high-quality lending standards that align with organizational policies. Achieved significant reduction in bad debt losses through effective management of risk control measures.
Resourceful Credit Manager successful at improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Resourceful Branch Credit Manager known for high productivity and efficient task completion. Specialize in risk assessment, financial analysis, and regulatory compliance to ensure optimal decision-making. Excel in communication, leadership, and problem-solving, applying these soft skills to manage teams effectively and foster strong client relationships.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Branch Credit Manager
REPCO HOME FINANCE LTD
Kolkata
11.2018 - Current
- Turning over a credit appraisal of 25 files per month.
- (NOTE: I am looking after the total credit appraisal of the Kolkata branch, prepare all cases after assessing the customer profile and income. I am also checking the legal and process all disbursement at the branch).
- Leading the Sales and managing the business of Kolkata branch.
- Managing a team of DSAs to manage the sales quota.
- Interacting and cooperating with the corporate DSAs to achieve assigned sales target.
- Receiver of special incentives for quarterly and monthly sales target achiever.
- Checking details of all customer profiles. (income, liability).
- Verification and Login of Home loan files in the system.
- Effective Collaboration with Credit Managers.
- Sanctioning files with solved of all query.
- File along with docket Checking and System Disbursement.
- Customer Services To meet up the queries of the customer.
- Actively engaged in collection activities of the entire Branch Portfolio by cold calling.
- EGL and cash entry and maintaining the main balance and petty cash balance of office and maintaining the cash chitta balance on regular basis.
- EMI Cheque deposited and entry in system.
- Staff accountability maintenance, report to CO.
- NACH activation on existing loner.
- CERSAI creation and CDR send to corporate office.
EXICUTIVE
LIC HOUSING FINANCE SERVICES LTD
KOLKATA
08.2015 - 11.2018
- Verification and login at home loan files in the system.
- Preparing Bank Reconciliation statement and maintaining other Branch Accounting practices.
- Effective Collaboration with Branch Manager along with other support staff.
- Maintaining relationship with external vendors and look after the vendor payments.
- Analysing the HL-case data to represent the cases to the Branch Manager.
- File along with Docket checking and System Disbursement.
- Ongoing portfolio monitoring and servicing activities in conjunction with shared services support.
Education
B.sc (Hons) -
vidyasagar collage University of culcutta
01.2015
class XII -
shyamnagar valika vidyalay
01.2012
calss X -
shaymnagar valika vidyalay
01.2010
Skills
- Preparation of data reports with MS Word
- Data representation (graphs and charts)
- Knowledge of MS Office - preparation of presentation
- Efficient & Productive
- Effective communication skills
- Excellent Interpersonal skills
- Good self-learning capabilities
- Quick learner
- Cheerful and optimistic personality
- Excellent verbal and written communication skills
- Comprehensive problem-solving abilities
- Strategic and critical thinking
- Self-Motivated Individual with a positive attitude
- Adaptive and flexible nature
- Team player
- Customer profiling
- Credit appraisal
- Risk assessment
- Loan disbursement
- Sales management
- Team leadership
- Effective communication
- Problem solving
- Negotiation skills
- Loan underwriting
- Risk analysis
- Expertise in [LLMS,LOS]
- Performance improvement
- Credit risk management
- Mentoring and training
- Loan decision assessments
- Cash flow management
- Application processing
- Client relationship management
Certification
Certificate course on MS Office
LLMS (professional software)
LOS(professional software)
CBS(professional software)
Languages
- English
- Hindi
- Bengali
Personal Information
Address: 403/3,Bharat Housing, Shyamnagar, Pin - 743127, North 24 Parganas, West Bengal. Father’s name:Satyajit Paul
Date of Birth: 24th April, 1994
Sex: Female
Nationality: Indian
Marital status : Separate
Timeline
Branch Credit Manager
REPCO HOME FINANCE LTD
11.2018 - Current
EXICUTIVE
LIC HOUSING FINANCE SERVICES LTD
08.2015 - 11.2018
B.sc (Hons) -
vidyasagar collage University of culcutta
class XII -
shyamnagar valika vidyalay
calss X -
shaymnagar valika vidyalay