Sunny Kumar
Credit Underwriter
New Delhi
Summary
Experienced with credit risk assessment, financial analysis, and team leadership. Utilizes strategic planning to streamline credit processes and enhance performance. Track record of implementing effective credit policies that drive company growth and maintain compliance.
Overview
7
7
years of professional experience
2
2
Languages
Work History
Credit Manager
Axis Finance Limited
New Delhi
04.2022 - Current
- Working in personal loans, business loans, and SME loan products.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
- Assessed credit risk and analyzed financial statements.
- Mitigated potential losses by continuously reviewing existing loans for signs of increased risk or deterioration in credit quality.
- Conducted detailed analyses of financial ratios to accurately determine an applicant''s ability to repay loans on time.
- Ensured compliance with lending regulations and guidelines, contributing to a well-regulated work environment.
- Personal discussion with borrowers, and recommendation for sanction.
- Sanctioning authority of 7.5 lakhs under PL, and BL.
- I consistently processed around 250 files per month, resulting in sanctioned business volumes of ₹6–7 crore monthly.
Credit Manager
HDFC Bank
New Delhi
01.2022 - 04.2022
- Working in personal loans products.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
- Assessed credit risk and analyzed financial statements.
- Mitigated potential losses by continuously reviewing existing loans for signs of increased risk or deterioration in credit quality.
- Conducted detailed analyses of financial ratios to accurately determine an applicant''s ability to repay loans on time.
- Ensured compliance with lending regulations and guidelines, contributing to a well-regulated work environment.
- Personal discussion with borrowers, and recommendation for sanction.
- Sanctioning authority of 10 lakhs under PL.
- I consistently processed around 300 files per month, resulting in sanctioned business volumes of ₹8-9 crore monthly.
Credit Manager
Tata Financial Services Limited
New Delhi
12.2019 - 01.2022
- Working in personal loans products.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
- Assessed credit risk and analyzed financial statements.
- Mitigated potential losses by continuously reviewing existing loans for signs of increased risk or deterioration in credit quality.
- Conducted detailed analyses of financial ratios to accurately determine an applicant''s ability to repay loans on time.
- Ensured compliance with lending regulations and guidelines, contributing to a well-regulated work environment.
- Personal discussion with borrowers, and recommendation for sanction.
- Sanctioning authority of 5 lakhs under PL.
- I consistently processed around 250 files per month, resulting in sanctioned business volumes of ₹6–7 crore monthly.
Credit Manager
HDB Financial Services Ltd, A HDFC Bank Group
New Delhi
05.2019 - 12.2019
- Working in Mortgage loan , Personal Loan, SME loan & Business Loan Product.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
- Assessed credit risk and analyzed financial statements.
- Mitigated potential losses by continuously reviewing existing loans for signs of increased risk or deterioration in credit quality.
- Conducted detailed analyses of financial ratios to accurately determine an applicant''s ability to repay loans on time.
- Ensured compliance with lending regulations and guidelines, contributing to a well-regulated work environment.
- Personal discussion with borrowers, and recommendation for sanction.
- I consistently processed around 100 files per month, resulting in sanctioned business volumes of ₹9-10 crore monthly.
Credit Officer
Shubham Housing Development Finance Company
Gurgaon
07.2018 - 05.2019
- Working in Home Loan & Mortgage loan Product.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
- Assessed credit risk and analyzed financial statements.
- Mitigated potential losses by continuously reviewing existing loans for signs of increased risk or deterioration in credit quality.
- Conducted detailed analyses of financial ratios to accurately determine an applicant''s ability to repay loans on time.
- Ensured compliance with lending regulations and guidelines, contributing to a well-regulated work environment.
- Personal discussion with borrowers, and recommendation for sanction.
- I consistently processed around 50 files per month, resulting in sanctioned business volumes of ₹6–7 crore monthly.
Education
Bachelor of Science - Information Technology
William Carey University
Shillong Meghalaya 04.2001 -
Diploma - Electronic Engineering
Chhotu Ram Rural Institute of Technology
New Delhi 04.2001 -
Skills
Affiliations
- I) Certificate of course on Fundamentals of Credit awarded by Corporate Finance Institute.
- Ii) Certificate of course on computer concept (CCC) awarded by NATIONAL INSTITUTE OF ELECTRONIC AND INFORMATION TECHNOLOGY.
- Iii) Certificate in Microsoft excel by Udemy.
- Iv) Certificate in IP sub netting course by Udemy.
- V) Certificate in developing cloud-Native apps by Udemy.
- Vi) Certificate of course on Mastering Banking Management Skills & Concepts Affiliated to National Board of Vocational Training Education.
Timeline
Credit Manager
Axis Finance Limited
04.2022 - Current
Credit Manager
HDFC Bank
01.2022 - 04.2022
Credit Manager
Tata Financial Services Limited
12.2019 - 01.2022
Credit Manager
HDB Financial Services Ltd, A HDFC Bank Group
05.2019 - 12.2019
Credit Officer
Shubham Housing Development Finance Company
07.2018 - 05.2019
Bachelor of Science - Information Technology
William Carey University
04.2001 -
Diploma - Electronic Engineering
Chhotu Ram Rural Institute of Technology
04.2001 -