Java
Visha Nirwan
Gurgaon,HR
Summary
10+ years of experience in credit Underwriting for unsecured personal Loans. Dynamic finance professional with a strong background in all aspects of retail banking, accounting, and credit loans. Successful at managing multiple assignments while meeting tight deadlines. Finely honed leadership, relationship-building, negotiation, communication, interpersonal, analytical, and problem-solving skills. Skilled in collaborating and communicating effectively with professionals at all levels of an organization.
Overview
11
11
years of professional experience
Work History
Credit Manager
Bank Of India
05.2023 - Current
- Processed files beyond their limit's assigned approved cases till 25 lakhs rupees
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Monitored all credit requests and approved or disapproved them after analyzing them
- Analyzing frauds, Risks & taking due actions & steps while reporting same to management
- Maintaining Turn around time (TAT) as per organization guidelines
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Created credit scoring model to assess risks.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Carried out day-day-day duties accurately and efficiently.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
- Served customers and followed outlined steps of service and Offered friendly and efficient service to customers, handled challenging situations with ease.
- Resolved problems, improved operations and provided exceptional service.
Administrative Manager
Bank Of India
01.2022 - 04.2023
- Ensured smooth daily operations with timely completion of all essential administrative tasks and responsibilities.
- Improved office efficiency by implementing streamlined administrative processes and procedures.
- Oversaw office inventory activities by ordering and requisitions and stocking and shipment receiving.
- Maintained accurate record-keeping systems to ensure easy access to critical information for decision-making purposes.
- Developed and implemented improved filing systems for enhanced order and accuracy.
- Verified customer information for orderly, up-to-date online systems.
- Enhanced team productivity by providing ongoing professional development opportunities and regular performance feedback.
- Established workflow processes, monitored daily productivity, and implemented modifications to improve overall performance of personnel.
Credit Officer
Bank Of India
06.2017 - 12.2021
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Checked appraisals, title information and insurance documents for each property.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Adhered to banking standards and government lending guidelines for loan services.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
Assistant Officer
Bank of India
07.2013 - 05.2017
- Enhanced customer service by streamlining processes and providing timely assistance to clients.
- Maintained accurate records of inventory levels, keeping the office well-stocked and reducing delays in operations.
- Organized and maintained confidential files, safeguarding sensitive information and promoting privacy.
- Provided support during company events, contributing to successful outcomes and increased engagement.
- Addressed public questions, complaints and requests and provided necessary assistance.
- Evaluated customer needs and feedback to drive product and service improvements.
Education
MBA - Banking And Finance
Vinayaka Mission University
Salem07.2016
Bachelors Of Technology - Computer Science
Rajkumar Institute of Technology For Women
Ghaziabad, India06.2012
Skills
- Financial Forecasting
- Financial Analysis
- Collaborating with different Teams
- Risk Assessment
- Strong negotiation Skills
- Ability to Work under Pressure
- Excellent Analytical Skills
- Advanced Mathematical Skills
- Solid interpersonal Skills
- Building & maintaining Strong Relationships with Customers
- Great Written and Verbal Communication Skills
- Understanding Of loans and lending procedures
Additional Information
- Exam. Scored 88.88% in management aptitude test (MAT) examination PAN India in the year 2012. CERTIFICATION: ,
- Passed Certified associate of Indian Institute of Bankers (CAIIB) in the year 2017.
- Passed Junior associate of Indian Institute of Bankers (JAIIB) in the year 2016.
Software
C Language
Work Preference
Location Preference
HybridOn-SiteRemoteImportant To Me
Career advancementWork-life balanceQuote
If the doors of perception were cleaned, everything would appear to man as it is: infinite.
William Blake
Languages
English
Upper intermediate (B2)
Hindi
Advanced (C1)
Interests
Social Networking
Singing
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Credit Manager
Bank Of India
05.2023 - Current
Administrative Manager
Bank Of India
01.2022 - 04.2023
Credit Officer
Bank Of India
06.2017 - 12.2021
Assistant Officer
Bank of India
07.2013 - 05.2017
MBA - Banking And Finance
Vinayaka Mission University
Bachelors Of Technology - Computer Science
Rajkumar Institute of Technology For Women
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