SUSHIL KUMAR
Experienced Credit Manager Skills In Portfolio Management, Risk Assessment, And Team Leadership.
Saharanpur,UP
Summary
Seeking senior level assignments across the industry.
Result-oriented and dynamic professional with over 14+ years of experience in Banking Operations and Advances. Currently Associated with Vastu Housing Finance Corporation ltd as Senior Manager Credit. Sound understanding of Banking Practices and Procedures with ability of handling contingencies to resolve systems bottlenecks within shortest time frame while building and nurturing relations with customers to ensure regular business opportunities and their prolonged retention. Excellent Relationship Management skills, articulate, combine strong business acumen with the ability to conceive profitable and efficient solutions utilizing technology. Industrious, thrives on a challenge while working effectively with management and the people therein. Proficient in building and nurturing relations with clients to ensure their retention and continued patronage and retaining wide base of clientele with effective customer services. Excellent man-management, time management, and leadership skills.
Overview
16
16
years of professional experience
3
3
Languages
Work History
Senior Manager Credit
VASTU HOUSING FINANCE CORPORATION LTD
Saharanpur, Roorkee, Haridwar
10.2021 - Current
- Appraise/underwrite the loan applications by assessing overall Credit Eligibility of customer as per Income and as per uses.
- Responsible for the application process from login to disbursement.
- Managing quality of portfolio, post disbursement documents and partly disbursed cases.
- Responsible to check customer Property Chain whether it is complete or not as Norms.
- Responsibility for TAT of delivering sanction letter and disbursement.
- To Increase the book growth of Loan.
- PD of all case Above 5 Lakh.
- Handling Saharanpur, Roorkee, Haridwar, Location Branches Vastu HFC and Vastu NBFC Vertical
Credit Officer
SHIVALIK SMALL FINANCE BANK LTD
03.2010 - 09.2021
- Appraise/Underwrite the loan applications by assessing overall Credit Eligibility of customer as per Income and as per uses.
- Responsible for the application process from login to disbursement.
- Managing quality of portfolio, post disbursement documents and partly disbursed cases.
- Responsible to check customer Property Chain whether it is complete or not as Bank Norms.
- Responsibility for TAT of delivering sanction letter and disbursement.
- Preparation of MIS, resolving customer issues and legal cases.
- Resolving Audit queries and control good audit score.
- Verification of Documents and know KYC Norms and AML Process.
- Handling Vendor Agreement of Legal/Valuer/FI/RCU/ and Bills Management.
- Handling Credit Report Generation i.e., CIBIL, CERSAI and other Documents.
- To Increase the book growth of Gold loan.
- To Increase the Sales with the help of Self Sourcing and MM activities.
- Ensure Audit Compliance.
- Responsible for the application process from login to disbursement.
- Managing quality of portfolio, post disbursement documents and partly disbursed cases.
- Resolving Audit queries and control good audit score.
- Verification of Documents and know KYC Norms and AML Process.
- PD of all case Below 25 Lakh.
Senior Executive
05.2012 - 06.2014
- Branch operations include Cash, Remittance, Loan Disbursements, and File Checking etc.
- Handling all Admin related part like Bill processing, Vendor maintenance etc.
- Monitoring and reconciling of the Cash and other Suspense accounts on daily basis.
- Compliance and adherence of internal and external regulations.
- Receiving and counting of daily inventories of cash, demand drafts and sensitive stationary.
- Responsible of Branch Audit for advances.
- File checking and documentation reviewing.
- Maintaining all the registers, reports, vouchers and files as required.
- Accountable for daily operations including Cash Desk, Remittance, Account Opening, Locker Operations & Customer Query.
- Taking care of Account opening done in given timelines and error free.
Operations -Executive
03.2010 - 04.2012
- Responsible for I/W & O/W Clearing Instruments.
- All Clearing & Account Opening Operation.
- RTGS/NEFT, Fund Transfer, DD,PO.
Education
Bachelor of Commerce -
C.C.S. University
01.2009
Intermediate - undefined
U.P. BOARD ALLAHABAD
01.2006
High School - undefined
U.P. BOARD ALLAHABAD
01.2004
Skills
Banking Operations
Advances
Customer Relation
Team Management
Target Achievement
Accounting Functions
Banking Reconciliation
Relationship Management
Cross-Selling
Advances
Bank Products & Services
Application Expertise - FIS, FINACLE
Customer Facing Skills
Communication Skills
Managing Multiple Priorities
PROFESSIONAL ACCOLADES
Recognized twice by Cluster Head for excellent achievements in CASA Float., Recognized by Cluster head and General Manager for excellent performance in selling of fee product like Life insurance, Health insurance and general insurance., Credential of having qualified for LI Contest for selling life insurance in FY 2018-19, FY 2019-20., Achieved 100% Advance targets., Best Performer in Cluster in Gold Loan and Term loan disbursement.
Areas of Strength
- Dedication and sincerity to achieve goals of Organization.
- Commitment to deadlines and organizational objectives.
- Team Spirit, Creative and open to suggestions from Seniors & Juniors.
- Ability to convince the Customers that helps in achieving sales targets.
- Actively worked with staff to increase work accuracy by ensuring minimization of errors.
Timeline
Senior Manager Credit
VASTU HOUSING FINANCE CORPORATION LTD
10.2021 - Current
Senior Executive
05.2012 - 06.2014
Credit Officer
SHIVALIK SMALL FINANCE BANK LTD
03.2010 - 09.2021
Operations -Executive
03.2010 - 04.2012
Intermediate - undefined
U.P. BOARD ALLAHABAD
High School - undefined
U.P. BOARD ALLAHABAD
Bachelor of Commerce -
C.C.S. University