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
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