Vijayashanthi P
Plot No 135 VIP City C block Vellalagundam (PO)Vazhapadi (TK), Salem
Summary
Highly focused and goal-oriented branch credit officer with four years of experience pursuing a career opportunity that enables me to provide excellent service, apply knowledge of applied principles, and utilize my experiences in an impactful business industry.
Overview
7
7
years of professional experience
Work History
Branch Credit Manager
UGRO CAPITAL LTD
Vazhapadi
06.2024 - Current
- Research and evaluate client's creditworthiness
- Approve or reject loan requests, based on credibility and potential revenues and losses.
- Ticket Size - 7 Lakhs to 5Cr.
- Visit customer business place to analyze the business and trade reference checks.
- Visit customer property place to analyze the property type, pledging property to check four boundaries, measurements and the property value.
- Visit customer living house analyse the indebtedness worth, repayment capacity for loan purpose.
- Underwriting of proposal as per the laid down credit policy within the allowed TAT. It includes detailed scrutiny and analysis of financial statements, performance of various credit checks, site visit, enquiry about the entity and its stakeholders, market feedback etc.
- Develop, Review and update our company's credit policies to sales team.
- Preparation of Weekly, monthly and quarterly MIS as required by Management.
- Responsible for portfolio quality.
Credit Officer
UGRO Capital Services
Chennai
12.2023 - 06.2024
Credit Officer
Clix Capital Services
Chennai
05.2023 - 11.2023
CPA
Yes Bank Ltd
Chennai
05.2022 - 05.2023
CPA
Aditya Birla Capital
Chennai
07.2019 - 04.2022
Education
M.SC - 71%
Periyar University
Salem01.2018
B.SC - 75%
Vivekanandha College of Arts And Science For Women's
Trichengode, Namakkal01.2016
HSC - 63%
Sri Sarada Vidyalaya Girls Hr. Sec School
Salem01.2013
SSLC - 66%
Govt Higher Secondary School Vellalagundam
Salem01.2011
Skills
- Management
- Leadership development
- Sales support
- Customer service
- Credit Analysis
- People Person
- Organizational
- Underwriting
- Risk Management
- Collection
- Business loans
- Personal Loans
- Unsecured loans
- Credit monitoring
- Disbursement
- Credit management
- Credit Rating
- Sanction
- Credit policy
- Legal
Disclaimer
I hereby declare that the above furnished information is true to the best of my knowledge.
Personal Information
- Date of Birth: 04/11/97
- Gender: Female
- Nationality: Indian
- Marital Status: Unmarried
- Languages : Tamil, English.
Timeline
Branch Credit Manager
UGRO CAPITAL LTD
06.2024 - Current
Credit Officer
UGRO Capital Services
12.2023 - 06.2024
Credit Officer
Clix Capital Services
05.2023 - 11.2023
CPA
Yes Bank Ltd
05.2022 - 05.2023
CPA
Aditya Birla Capital
07.2019 - 04.2022
M.SC - 71%
Periyar University
B.SC - 75%
Vivekanandha College of Arts And Science For Women's
HSC - 63%
Sri Sarada Vidyalaya Girls Hr. Sec School
SSLC - 66%
Govt Higher Secondary School Vellalagundam