Ariz Siddique

Credit Manager @AU SMALL FINANCE BANK

IN

Experienced Credit Manager specializing in Mortgage Loans, with strong expertise in Home Loan and Loan Against Property (LAP) underwriting. • Responsible for end-to-end credit assessment, including financial analysis, income evaluation, banking review, and property verification. • Ensure all loan proposals align with the bank’s credit policy, risk framework, and regulatory compliance standards. • Consistently achieve monthly disbursement and business targets, maintaining a balance between growth and credit quality. • Maintain excellent portfolio health through efficient PDD management, NPA control, CAM renewals, LAD clearance, and TOD management. • Oversee complete loan lifecycle from sourcing to disbursement, ensuring E2E TAT and process discipline. • Work closely with sales, legal, and operations teams to streamline loan approvals and enhance customer satisfaction. • Conduct in-depth risk analysis to identify potential defaults and take proactive measures for portfolio safety. • Support business growth by identifying new market opportunities and ensuring compliance with evolving credit policies. • Deliver exceptional customer experience while safeguarding asset quality and maintaining strong audit ratings. • Demonstrate a result-oriented approach, contributing to sustainable asset growth and long-term profitability. • Skilled in Credit Appraisal, Risk Management, Portfolio Analysis, Compliance, and Mortgage Product Knowledge.

St thomas public school pragati nagar

12th

Amity University Raipur

Bachelor of Commerce - B. Com(hons)

Mizoram University

Master of Business Administration - MBA

Beacon english school shakti nagar

10th