Dhilip Kumar D

About Dhilip Kumar D

Assess the creditworthiness of clients and perform risk analysis of various types of lending proposals from straightforward to complex portfolios. Prepare reports based upon their findings to help make decisions on lending and creditworthiness.

Experience

1. Credit Assessment Officer

   ANZ

   Nov 2022 — Present · Bengaluru, IN

   I hold credit approval discretion authority of AUD $2.25 Million for existing as well as new to bank customers. • Assessed retail mortgage loans & line of credit applications under various products offered by ANZ. • Ability to validate 4 C\'s of Underwriting - Credit, Capacity, Collateral and Capital by calculating income eligibility, collateral offered, valuations and risk parameters as per ANZ policy and figuring out ways to mitigate the risk for the bank. • Income eligibility validation for - PAYG (salary) customers as per ANZ policy. • Performed various Lending Ratios - Debt to Income Ratio, Loan to Value. • Calculate financial ratios (e.g. credit scores and interest rates). • Identified transactions that indicate a potential for Fraud while analyzing bank statements and Australian credit bureau reports. • Provided decisions in the TAT and the policy defined by the bank. • Preparing loan applications, evaluating clients\' financial information and calculating risk ratios. • Assess clients’ financial status, Contact submitters to gather financial data and documentation. • Analyse risks and approve or reject loan requests.

Education

• Bangalore University

  Bachelor of Commerce - B.Com, Accounting and Taxation

  2015 — 2018

• Bengaluru Central University

  Master of Commerce - M.Com, Accounting and Taxation

  2018 — 2020