Vijay K
Credit Appraiser
KARUR
Summary
Diligent and goal-oriented professional with substantial experience in Credit/Operations in Retail Assets sector. Looking for an opportunity to enhance my knowledge and skillset to meet company's expectation and achieve growth.
Overview
6
6
years of professional experience
7
7
years of post-secondary education
3
3
Certifications
2
2
Languages
Work History
Credit Officer
HDFC BANK LTD
02.2024 - Current
- Underwriting of Salaried/Self Employed profiles for Karur HL branch on HL and LAP products and Recommending profiles for sanction.
- Checking Credit Eligibility and Financials of Customer profiles.
- Preparation of CAM Sheet based on PD visits.
- Verification and Checking of Original Documents based on Legal/Tech reports and responding to Queries.
- Loan disbursement process and Managing overall Asset operations of Branch.
- Processing Files within TAT.
- Handling Credit/Audit Queries of Branch.
- Getting Approvals/Deviation for cases which excess FOIR/DW score.
Assistant Manager Ops
Bandhan Bank
10.2023 - 01.2024
- Handling Branch banking operations
- Acquisition of New clients and Recommendation of Various Banking and Wealth Generation products to clients.
- Customer Service and Management.
- Verification of KYC for Existing and New Clients
- Managing AML Compliance and Procedures
Associate
City Union Bank
10.2019 - 05.2021
- Well Experienced in Branch Banking Back End Operations and worked in Bancs CBS Software.
- Worked in OD loans in which managing Drawing power of Clients based on their Stocks and Book debts and Renewal process for OD accounts.
- Worked in Gold Loan operations.
- Recommendation of Various Banking and Financial products to clients, collecting various Data and Preparing Reports.
- Experienced in Pre-Loan Sanction process, Loan Documentation, Disbursement.
- Monitoring of Transactions as per AML guidelines and verification of KYC/CDD process for New and Existing clients.
- Monitoring of SMA and NPA accounts and Recovery of Loan process
Education
MBA - Corporate secretaryship
Alagappa University
Karaikudi, India 07.2019 - 08.2021
B.com - Computer Applications
Bharathidasan University
06.2016 - 05.2019
Higher Secondary - undefined
KVMHSS
06.2014 - 04.2016
Skills
- Credit Assessment/Risk analysis/Profile Valuation/Reading of Financials
- Loan documentation/Disbursement process
- Operational skills/Asset Management
- Expertise in MS office products and Tally software
- AML/KYC skills
- Maintaining of Data and Preparing Reports
Certification
Investment Banking operations Jul 2024
Websites
Timeline
Credit Officer
HDFC BANK LTD
02.2024 - Current
Assistant Manager Ops
Bandhan Bank
10.2023 - 01.2024
Associate
City Union Bank
10.2019 - 05.2021
MBA - Corporate secretaryship
Alagappa University
07.2019 - 08.2021
B.com - Computer Applications
Bharathidasan University
06.2016 - 05.2019
Higher Secondary - undefined
KVMHSS
06.2014 - 04.2016
Similar Profiles
KAMALA SUBRAMANIANKAMALA SUBRAMANIAN
Senior Vice President and Unit Head at HDFC Bank Limited, HDFC BankSenior Vice President and Unit Head at HDFC Bank Limited, HDFC Bank
Jignesh PatelJignesh Patel
Relationship Manager at HDFC Sales Pvt. Ltd. (Group Company Of HDFC Bank)Relationship Manager at HDFC Sales Pvt. Ltd. (Group Company Of HDFC Bank)
Prodip SahaProdip Saha
Collection Officer at HDFC Bank, Bajaj Finance, Axis Bank, IDFC BankCollection Officer at HDFC Bank, Bajaj Finance, Axis Bank, IDFC Bank
Rajan GargRajan Garg
Assistant Manager at HDFC Bank LTD (HDFC Sales Pvt Ltd)Assistant Manager at HDFC Bank LTD (HDFC Sales Pvt Ltd)
V BALAJI SRINIVASV BALAJI SRINIVAS
HR Recruiter at WEBTECH SOFTWARE SOLUTIONSHR Recruiter at WEBTECH SOFTWARE SOLUTIONS