Kundan Kr Singh
Email :kundangood AT gmail.com
Objective
Highly focused and goal oriented Credit Manager with 14 plus years of experience pursuing a career opportunity which enables me to provide excellent service, apply knowledge of applied principles, and utilize my experiences in an impactful business industry.
Skills
Team Management, Excellent Communication, Analytical, Numerical, Interpersonal,
WorkExperience :
Branch Credit Manager Deal in Micro Lap Loan Ludhiana & Patiala
Fullerton India Credit Co.Ltd Jul 2019 – Present :
** Assisting Sr.Manager in creating plans to accomplish company and department goals.
** Reviewing customers or potential customer’s files for creditworthiness. During PD
** Analysis & forward monthly reports to be presented to management and highlighted all risks involved.
** Performed financial analysis for all distinct portfolios of counterparts and administered sensitivity analysis.
** Ensured compliance to all credit policies and underwriting parameters prior to lending money.
** Coordinated with team members and developed strategies to improve the collection process
** Achieves work goals for productivity, quality and turn time
** Adheres to all Chase Fair Lending practices
** Analyzes complex financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review
** Applies knowledge of mortgage servicing process and/or Chase credit underwriting guidelines
** Keep up to date on all credit policy changes that impact underwriting
** Knowledge of processing, underwriting and federal lending regulations
** Identify potential data integrity issues and maintain data quality in the reporting system
Branch Credit Manager Deal in Lap and BL Ludhiana & Jallandhar :
Shriram City Union Finance Limited Ltd Nov-15 to Jun 2019
** Assisting Sr.Manager in creating plans to accomplish company and department goals.
** Reviewing customers or potential customer’s files for creditworthiness. During PD
** Prepared monthly reports to be presented to management and highlighted all risks involved.
** Coordinated with team members and developed strategies to improve the collection process
** Achieves work goals for productivity, quality and turn time
** Adheres to all Chase Fair Lending practices
** Analyzes complex financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review
** Applies knowledge of mortgage servicing process and/or Chase credit underwriting guidelines
** Keep up to date on all credit policy changes that impact underwriting
** Knowledge of processing, and federal lending regulations
** Identify potential data integrity, Audit issues
Credit Relationship Manager Deal in Lap,AL,GL and BL Ludhiana :
HDB Financial Services Ltd Feb-14 to Nov 2015
** Assist the Credit Managers in credit approvals and loan application decision
** Collateral Monitoring : responsible for ongoing collateral evaluation; ensures remediation of collateral shortfalls / closeouts
** Contributing to improvements in Credit Risk Management (CRM) processes,
** Other responsibilities as assigned by the Branch credit Manager
Credit & Ops Officer Deal in SME, CV,AL, AHL and Insurance Ludhiana :
Magma Fincorp.
Ltd Aug-08 to Feb-2014
** Doing the Initial Screening of all files for login
** Preparing Credit Appraisal Memo (CAM) & Disbursal Memo (DM).
** Resolve Ho-Audit ,DSA,DST query
** Checks All Externals- Internals Dedupe Verification
** Doing the Initial Screening of all CAR, CV USED, CV, CE & SME files & login into Oracle
** Checking the file for Pre/Post approval according to the policy from processing till the disbursement.
** Provide Smooth Process in insurance policy of MAGMA HDI
CPA Manager Deal in SME, Ludhiana :
Kotak Mahindra Bank Apr-08 to Aug-08
** Credit Risk Associates Deal in STPL, Ludhiana
** Cholamandalam Dbs Finance Limited Feb-07to Apr-08
** Credit Executive Deal in CD & TW, Ludhiana ,Jallandhar, Amritsar &Moga Citi Financial Consumer Finance Limited Nov-05 to Feb-07
Education :
** B.Com & MBA in Financial Planning From SMU University
** Senior Secondary from Punjab School Education Board, Mohali.
** Matriculation from Central Board of Secondary Education Board, Mohali
Summary :
** A competent professional credit analyst with over 14+ years of experience in Credit Management, Financial Analysis, Loan Processing and underwriting skills Possess abilities to impact business growth and maximize profits through achievement in credit sanction, loan disbursement within TAT.
** Experience in understanding and implementing credit policy understanding the credit environment in city/branch Expertise in finance & credit analysis of Products Like LAP,AHL, PL, SME,T/W,CV,AL etc.
Languages : English, Hindi, Punjabi
Hobbies : Reading Books, Listening Music
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