Amol Joshi
Nashik
Summary
Experienced Credit Analyst offering well-developed skills in managing teams, record updates and financial statement reviews. Pursuing a position in a busy organization where a qualified individual with an understanding of collections is highly sought.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Credit Analyst
Connect Business Solutions of Tata Capital Housing Finance
Nashik
2023.03 - Current
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Monitored customer accounts to ensure timely payments were made in accordance with loan agreements.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Prepared basic and preliminary credit analyses i.e CAM, RTR, Eligibility Sheet etc to determine creditworthiness and compliance. Also Personal Discursion with Customer.
- Prepare High Value CAM also Requested financial documents from customers to track all running loans as well as ready to take decision.
- Monitored and maintained compliance with internal controls and solve audit queries.
- Assessed customer credit files regularly to review receivables.
- Presented key information to upper management and executive team for loan recommendations.
- Knowledge of Various Programs, Legal Documents and Valuation Reports. also Disbursement over all process.
Credit Process Analyst
Xpheno Pvt Ltd of Fullerton India Home Finance Company Ltd
Nashik
2021.08 - 2022.11
- Login loan proposal file as per of customer requirement per month and prepare file login MIS on daily basis
- Prepared basic and preliminary credit analyses to determine creditworthiness.
- Prepare CAM, Generate CIBIL, Track Current Loans, Initiate Legal & Technical, FI and FCU reports etc.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Documented workflow processes for various tasks within the Credit Process Analyst role.
- Personal Discussions with customers for Salaried and Self-Employed Professional & Non-professional cases.
- Presented key information to upper management for loan recommendations.
- Deep Knowledge of Various HL & LAP Programs, Finnone system, Legal Documents and Valuation etc.
- Provide sanction letter to sales team and maintain OTC and PDD Track for all disbursal docket on monthly basis.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Provided recommendations regarding loans applications based on sound credit evaluation principles.
Credit Process Analyst
Connect Business Solution Ltd of TATA Capital Housing Finance Ltd
Pune
2021.01 - 2021.07
- Assessed credit risk and analyzed financial statements
- Reviewed and analyzed customer credit applications to ensure accuracy of information, completeness and compliance with company policies.
- Ensured credit processes were followed to minimize financial risk and maximize profitability.
- Analyzed customer data including payment history, current balance, account status, open orders and other critical metrics.
- Prepared monthly reports summarizing Screening KYC document, CIBIL Report, financials, property papers for legal & technical and bank statement.
- Prepare high value CAM to checking loan eligibility for underwriter review. Also maintain repayment track for all running loans show in CIBIL.
- Reviewed and verified income, credit reports and employment histories for each borrower and prepare CAM
- Prepare note and forward case to credit manager for decision making
- Prepare docket for loan disbursed process
- Also maintain OTC & PDD track after disbursement.
Credit Officer
Edelweiss Housing Finance Ltd
Pune
2017.11 - 2020.07
- File login as per requirement of customer loan proposal.
- Prepared and submitted loan applications to underwriters.
- Reviewed credit applications and financial statements to determine customer creditworthiness.
- Analyzed applicants loan application, financial status and Prepare CAM for checking loan eligibility for underwriter review
- Prepared detailed reports summarizing customer profiles, risk assessments, and recommendations of credit.
- Collaborated closely with sales teams to understand their needs while ensuring sound risk management practices were followed.
- Responded promptly and professionally to inquiries from customers regarding their accounts.
- Ensured that all relevant documents were collected before making a decision about granting a line of credit.
- Property evaluations to determine loan feasibility through legal technical team
- Organized and finalized application by providing sanction letter to customer
- Oversaw all reporting, documentation and recordkeeping requirements for department
- Knowledge of different HL & LAP program as per credit policy.
Credit Process Analyst
I-process Service India Pvt Ltd of ICICI Bank
Pune
2015.01 - 2017.10
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Login loan proposal files and make Data Entry in system and prepared CAM within TAT.
- Reconciled customer accounts to identify delinquencies or disputes, documenting root causes.
- Requested financial documents from customers.
- Screening of CIBIL reports, COI, P&L A/c, Balance Sheet and file queries given to sales
- Co-ordinate with legal, valuator, FI agency & FCU Team for reports
- Provide Sanction Letter to sales and prepare DM for disbursement.
- Assessed customer credit files regularly to review Underwriting.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Collected and organized loan documents before submission to underwriting.
- Prepared and submitted loan applications to underwriters.
Sales Executive
TATA Croma
Nashik
2012.09 - 2013.11
- Responsible for Laptop Sales & Computer Accessories at TATA Croma also Handling Client Grievances as well as Cross Sale for other product
- Increased revenue by implementing effective sales strategies in sales cycle process from prospecting leads through close.
- Developed and implemented strategies to meet sales quotas.
- Analyzed customer feedback to identify areas of improvement in product offerings.
- Gathered data on competitors' pricing, products, and promotional activities.
- Provided personalized service to build relationships with customers.
- Assisted customers in selecting appropriate products or services for their needs.
- Educated customers about products and services offered by the company.
- Developed key customer relationships to increase sales.
- Arranged merchandise for display to highlight new styles, attract customers and enhance sales.
- Answered product questions with up-to-date knowledge of sales and promotions.
- Monitored customer order process and addressed customer issues.
- Identified customer needs to deliver relevant product solutions and promotions and meet target budgets.
Education
MBA - Financial Accounting
Amrutvahini Institute of Management
Sangamner2011-10
Bachelor of Commerce - Accounting and Finance
K.S.K.W. College CIDCO
Nashik2009-05
Skills
- Loan recommendations
- Underwriting
- Judgmental lending
- Oral and written communications
- Credit decision making
- Goal-Oriented
- Quantitative Analysis
- Risk Assessment
- Verbal and written communication
- Financial statement review
Accomplishments
Amrutvahiniutvahini
- Performance Excellence Awarded by ICICI Bank
- Best Customer Handling Employee Awarded by Tata Croma
- Best Groom Employee Awarded by Tata Croma
Projects
Ratio Analysis, Indo Seals Pvt Ltd, Ambad, Nasik Customer Satisfaction, Nasik Preventive Healthcare, Nasik
Certification
- MSCIT Certified
- NIIT Certified
Timeline
Credit Analyst
Connect Business Solutions of Tata Capital Housing Finance
2023.03 - Current
Credit Process Analyst
Xpheno Pvt Ltd of Fullerton India Home Finance Company Ltd
2021.08 - 2022.11
Credit Process Analyst
Connect Business Solution Ltd of TATA Capital Housing Finance Ltd
2021.01 - 2021.07
Credit Officer
Edelweiss Housing Finance Ltd
2017.11 - 2020.07
Credit Process Analyst
I-process Service India Pvt Ltd of ICICI Bank
2015.01 - 2017.10
Sales Executive
TATA Croma
2012.09 - 2013.11
MBA - Financial Accounting
Amrutvahini Institute of Management
Bachelor of Commerce - Accounting and Finance
K.S.K.W. College CIDCO
- MSCIT Certified
- NIIT Certified
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