CV Credit Analyst, Process Associate (Home Loan Foreclosure Specialist)
Credit Analyst, Process Associate (Home Loan Foreclosure Specialist)
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Location (Residence): Mumbai, India Citizenship:India
Education & Experience:
Work Authorization & Relocation:
Bachelors in Commerce Years of Experience:
Authorized to work in: India Present Location: India, Mumbai Relocation: Anywhere (International)
1. Summary (Cover Letter) - CV/Resume Part 1 [Mandatory]
More than 7 yrs experience in under writing, customer Service & support with recognized strengths in Banking retail asset and back office support & processing.
Extensive background in and thorough knowledge of secured and unsecured lending.
Possess decent computer skills. Good team member and zeal to learn.
2. Work Experience - CV/Resume Part 2 [Mandatory]
FULLERTON INDIA CREDIT CO. LTD July 2007-Current
Monitor and supervise various Credits underwriting tools such as verifications, personal discussions and taking decisions on the basis to acquire positive business.
Initiate and supervise continuous implement to the new business development plans, underwriting of secured and un-secured lending, collections which includes calling on customers while enhancing companys image in the community.
Portfolio analysis and branch credit review on monthly and quarterly basis.
Sourcing and portfolio analysis for the zone and providing feedback to Policy team.
Aggressively monitor branch delinquencies and fraud control including training, motivating, developing and managing a team to achieve the operation and collection targets.
Preparing and monitoring MIS for tracking daily performances in the branch such as sales operations.
Closely monitor competition activities and providing feedback/ suggestions to the concerned team(s)
Conducting refresher trainings/ other trainings at regular intervals and updating the underwriting team on the process/ policy changes.
Vendor management, supervise employees and other branch operations.
Successful initiative in new process module planning and implementation includes hiring, training new man force. Successful set up of new process and monitoring of the same.
Insured cent percent booking of the acquired business with very low holds i.e. following First Time Right formula.
Handled sales force for the entire month with credit control and insured business on target.
Successfully controlled entire branch collection and formulated plans to minimize flow within buckets and ensured ever-achieved target of 94% in Front end.
Motivated, supporting and coordinated the collection officers, support service officers and had desired resolutions.
CFC INDIA SERVICES October 06- July 07
Process Associates (Hone Loan Foreclosure Specialist)
Successfully handling team of 9 in taking decision on which loans to be forwarded to foreclosure.
Responsible for training to the old as well new hired associates with the process and keeping track and reporting their progress to the management.
Sorting and assigning loan to technicians in the bank to work in foreclosure.
Distribution of workload to the team and keeping track.
Checking and assigning attorney to the loans for foreclosure.
Compiling and sending daily reports to team leaders and managers in US.
Keeping track of continuous updates or changes in the process and training to the team with the same.
Outstanding track of giving 100% quality for the process through out the tenor within the given time.
Successfully managed to prove our team as one of the best team in the department.
Attend best performer award continuously for 3 months for the process.
Got promoted as Team Coach for the process.
Proved as asset to the company by attaining cent percent target of process migration.
VEERARAGHVAN & CO. (An Associate of Citibank N.A.) October 04- Oct 06
C P A
Managing all daily operations in sanctioning the residential lending, customer support & conflicts.
Documenting and closing Mortgaged loan in residential lending.
Managing high valued salaried profiles.
Reporting to Resident Credit Manager & Regional Credit Manager of Western region of Citibank
Preparing and analyzing the financial of salaried & self-employed customers.
Analyzing & reporting the detailed background and the profile of the clients
Preparation of credit appraisals.
Resolving customers complaints on as needed basis
TARA INTERNATIONAL August 03- Oct -04
Handled routine administrative & back office responsibilities
Co-ordination between Marketing & Sales department with the Management
Software and Hardware maintenance & troubleshooting
Developed software and database support maintenance to minimize gap of communication for marketing and sales
Managed programming and software development project for the different branches of the company
SLF LTD (An Associate of ICICI Home Finance Co. Ltd) July 01- August 03
Direct Sales Executive
Interacting with customers of corporate companies for the corporate relations and with various developers for tie-ups
Co-ordination between Sales Managers and Credit Department
Successful team member in achieving determined targets
Support sales manager in building new client base for the company in residential lending
Effectively handled and converted customer enquiry from help desk of branches of the ICICI bank
3. Education & Training - CV/Resume Part 3 [Mandatory]
Bachelor Of Commerce May 2001
Higher Diploma In Software Engineering From Aptech Ltd
4. Computer Skills - CV/Resume Part 4 [Mandatory]
Operating System Languages Packages RDBMS Front End
Win 95, 98 C, C++, Html Ms Office 97 Ms Access Visual Basic 6.0
Win 2000 DHTML Ms Office 2000-03 Ms SQL Server 7.0
Win XP, Win NT Active Server Pages Ms FrontPage,
Java, Java Script
Object Oriented Programming With UML
5. Other Skills - CV/Resume Part 5 [Optional]
6. Additional Information - CV/Resume Part 6 [Optional]