Amit Bikram Choudhury
Credit Manager @Bank Of Baroda
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WORK HISTORY
Credit Manager @Bank Of Baroda
Bharuch, IN
Analyze applicants\' financial status, credit, and property evaluations to determine feasibility of granting loans.Obtain and compile copies of loan applicants\' credit histories, corporate financial statements, and other financial information. Meet with applicants to obtain information for loan applications and to answer questions about the process.Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.Review loan agreements to ensure that they are complete and accurate according to policy.Approve loans within specified limits, and refer loan applications outside those limits to management for approval.Handle customer complaints and take appropriate action to resolve them.Set credit policies, credit lines, procedures and standards in conjunction with senior managers.Stay abreast of new types of loans and other financial services and products to better meet customers\' needs.Review and update credit and loan files.Submit applications to credit analysts for verification and recommendation.Compute payment schedules.Confer with underwriters to aid in resolving mortgage application problems.Market bank products to individuals and firms, promoting bank services that may meet customers\' needs.Work with clients to identify their financial goals and to find ways of reaching those goals. Negotiate payment arrangements with customers who have delinquent loans.Analyze potential loan markets and develop referral networks to locate prospects for loans. Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action. Provide special services such as investment banking for clients with more specialized needs. Arrange for maintenance and liquidation of delinquent properties. Petition courts to transfer titles and deeds of collateral to banks.
EDUCATION
Stewart School
Intermediate
Punjab Technical University
Master of Business Administration (M.B.A.)
Utkal University
Bachelor of Commerce (B.Com.)
ABOUT AMIT BIKRAM CHOUDHURY
Analyze applicants\' financial status, credit, and property evaluations to determine feasibility of granting loans. Obtain and compile copies of loan applicants\' credit histories, corporate financial statements, and other financial information. Meet with applicants to obtain information for loan applications and to answer questions about the process. Explain to customers the different types of loans and credit options that are available, as well as the terms of those services. Review loan agreements to ensure that they are complete and accurate according to policy. Approve loans within specified limits, and refer loan applications outside those limits to management for approval. Handle customer complaints and take appropriate action to resolve them. Set credit policies, credit lines, procedures and standards in conjunction with senior managers. Stay abreast of new types of loans and other financial services and products to better meet customers\' needs. Review and update credit and loan files. Submit applications to credit analysts for verification and recommendation. Compute payment schedules. Confer with underwriters to aid in resolving mortgage application problems. Market bank products to individuals and firms, promoting bank services that may meet customers\' needs. Work with clients to identify their financial goals and to find ways of reaching those goals. Negotiate payment arrangements with customers who have delinquent loans. Analyze potential loan markets and develop referral networks to locate prospects for loans. Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action. Provide special services such as investment banking for clients with more specialized needs. Arrange for maintenance and liquidation of delinquent properties. Petition courts to transfer titles and deeds of collateral to banks.
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