RANJEET SINGH
Adderess:
VPO: Word No.09 49GG-A Kureshian
Teh . Sri Karanpur Distt. Sri Ganganagar-335040
(Rajasthan)
Contact
Phone: +919314340001,8104737135
Email:[email protected]
Objective:-
To serve the people with my best efforts & my sincere contribution to Develop a sense of
responsibility and belongingness among everyone.
Experience:-
HDFC BANK
Credit Officer
16 October 2021 - Till Date
Credit Decision Making for Personal Loans and forwarding Proposals to
CM’s and ACM.
Having skill in team handling / managing the load.
Working in TAT basis, No error base & productivity base.
Customer Documentation - Ensure pre approval documentation is accurate.
Pull out CIBIL loans Clarification and OD clearance.
Reviewing Profiles, Income statements and conducting PD to ascertain
feasibility.
Improving and maintaining of turnaround time and conversions.
Meeting with applicants to obtain information for loan applications and to
answer questions about the process.
Reviewing loan agreements to ensure that they are complete and accurate
according to policy.
Handling customer complaints and take appropriate action to resolve them.
Contact borrowers with delinquent accounts to obtain payment in full or to
negotiate repayment plans.
Meeting with clients interested in taking out a loan and providing them with
the necessary information to start the loan application process.
Collecting the needed financial documentation and assessing the clients'
creditworthiness.
Calculating and analyzing the risk ratios of clients based on their credit
score and financial history.
Approving or denying loan requests, and communicating your decision to
both clients and management.
Managing loan renewals by organizing follow-up meetings with clients.
Monitoring the progress of the loan application process and relaying any
hindrances to clients.
Ensuring that loan applications are in line with the company's financial
policies, as well as state laws and regulations.
Experience Summary Overall 2 year’s experience, Credit and Operations in Banking retail
assets products Like JLG, SHG, Gold loans, Saving A/C, Current A/C, FD, RD, etc.
Education Qualification:-
MBA in Finance Management from Suresh Gyan Vihar University Jaipur
(Appearing)
Post Graduate Certificate in Retail Banking –(PGCRB) from Institute of
Professional Banking (Panchkula) with 75.00% in 2021.
PGDCA from Makhanlal Chaturvedi National University of Journalism &
Communication, Bhopal with 68.70% in 2018.
Graduation Arts from Maharaja Ganga Singh University Bikaner with 56.38%
in 2016.
12th From Rajasthan Education Board Ajmer with 72.80% in 2013.
10th From Rajasthan Education Board Ajmer with 60.00% in 2011.
Certification:-
Fundamental of Credit from Corporate Finance Institute (CFI), Vancouver
Canada.
Financial Risk Analytics from Great Learning Academy.
ISEA Certified Cyber Hygiene Practitioner from Information Security
Education Awareness, Project Phase-||, By Ministry of Electronic &
Information Technology (MeitY) Government of India.
Fair Play Pledge Certificate from National Sports & Physical Fitness Board
Regd. With Ministry of MSME (Govt. of India).
Banking and Finance from Guru Gobind Singh Indraprastha University in
Delhi.
RS-CIT From Vardhman Mahaveer open university, Kota with 59.00% in 2014.
Skill Highlight's:-
Self Motivation and a Passion to Succeed.
Truth Worthy, Positive, attentive
Always willing to work
An optimistic
Hardworking
Eager to learn new technologies, quick to adapt new environment.
Interest & Hobbies:-
Working on Computer, Making New Friends & Travelling.
Personal Details:
Father’s Name : SRI BALVEER SINGH
Date of Birth : 25” July. 1994
Marital Status : Married
Nationality : Indian
Language Knowledge : Hindi, Punjabi, English
Declaration:
I hereby declare that the information given above is complete and correct to
the best of my knowledge.
RANJEET SINGH
