Athul M
Credit | operations executive
- Role
- Credit Officer at Equitas Small Finance Bank
- Location
- Kozhikode, KL, IN
- LinkedIn followers
- 500 followers
About Athul M
I am an Operations Executive with over 3 years of experience in business operations and…
Experience
Credit Officer
Aug 2024 — Present · Kozhikode, IN
Used car and used commercial vehicle loan Process and disbursement 1. Credit Analysis: Evaluate creditworthiness of loan applicants, analyzing financial statements, credit reports, and other relevant data. Loan Processing: Process loan applications, ensuring compliance with regulatory requirements and company policies. Risk Assessment: Identify potential risks associated with loan applications and recommend mitigation strategies. Credit Approval: Approve or reject loan applications based on creditworthiness and company lending policies. Loan Documentation: Prepare and review loan agreements, ensuring accuracy and completeness. Credit Monitoring: Monitor borrower\'s credit performance, identifying early warning signs of potential default.7. Collection and Recovery: Manage delinquent accounts, negotiating payment plans and facilitating recovery processes. Portfolio Management: Manage a portfolio of loans, ensuring optimal risk-reward balance. Compliance: Ensure adherence to regulatory requirements, industry standards, and company policies. Customer Service: Provide excellent customer service, responding to customer inquiries and resolving issues.
Education
University of Calicut
Bachelor's degree
2016 — 2020
University of Calicut
Bachelor's degree
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