Aanchal Chauhan
Singapore
Summary
Hardworking Credit Officer with 4+ years of experience well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths.
Overview
4
4
years of professional experience
6
6
years of post-secondary education
Work History
Assistant Manager
Bank of Baroda
Mumbai
05.2017 - 03.2020
- Accomplishments.
- Processed & disbursed home loans worth $3.18 million, via evaluation of primary applicant’s net worth and collateral security valuations to determine eligibility & financial soundness of the borrower.
- Oversaw recovery worth $500,000 from NPAs accounts through sale of collaterals and other.
- Collateralized assets.
- Identification and rectification of loopholes in SOP standard operating procedures of home loan disbursements which resulted in direct & indirect savings to the bank worth $ 275,000.
- Identified cross sell opportunities worth $150,000 dollars by bundling insurance products with prime home loan products.
- Disbursed Home Loan worth $1.02 million in last financial year.
- Processed & disbursed car loans worth $180,000 in the last financial year Responsibilities.
- Stakeholder management (Internal & External) for timely documentation, loan approvals and disbursements.
- Portfolio monitoring, Cash flow tracking and customer engagement & follow ups to ensure minimal slippages of loans to NPA’s.
- Loan Origination, document collation & review.
- Coordination with third parties for document authenticity validation.
- Collateral Valuation, reporting and review for any existing loans against the presented collateral.
- Customer Credit worthiness deductions from past employment and cash flow history.
- Product bundling (Including Third Party Products) for revenue augmentation.
- Process & Procedure Gap Analysis and recommendation to senior management to improve customer service & experience.
- Regulatory reporting and compliance management from a day-to-day business operations standpoint.
Audit Associate
KPMG
07.2013 - 02.2015
- Authored two internal POV’s regarding the latest and trends & customer pinpoints in the audit assurance.
- Part of the three-member Deutsche Bank audit team that completed and submitted the audit report in record time (2.5 months flat) without compromising on the quality of the report Responsibilities.
- Develop and maintain excellent working relationship with different stakeholders to increase overall customer satisfaction and to strengthen client relationship.
- Assist in implementation, execution and monitoring of quality assurance and provide inputs & recommendation for the overall program improvement.
- Work closely with client and internal staff to develop client and project risk assessments and recommendations.
- Periodically oversee interns to provide work direction and review assignments.
- Conduct internal brain storming session with team to develop an overall approach and strategy to solve complex client business problems.
- Assist with business development activities, creating proposals, white papers and point of views.
Education
Diploma - Banking & Finance
Manipal University
03.2016 - 03.2017
Bachelor of Commerce (Hons) -
Delhi University
04.2010 - 06.2013
XII - Commerce
St. Jude Dehradun
04.2009 - 03.2010
High School Diploma -
St. Jude
04.2007 - 03.2008
Skills
Financial transactions expertise
Additional Information
- Awards & Recognitions , Awarded "Employee of the Quarter" for outstanding performance at Bank of Baroda. Awarded “Employee of the Quarter"” twice in KPMG Global Services Pvt Ltd. Successfully processed & disbursed a $ 1.08 million home loan singlehandedly. Obtained “Runner’s up Certificate” during zonal branch retail advances campaign. Awarded “First Prize” during Economics Expo at Manipal University.
Accomplishments
- Awarded "Employee of the Quarter" for outstanding performance at Bank of Baroda.
- Awarded “Employee of the Quarter"” twice in KPMG Global Services Pvt Ltd.
- Successfully processed & disbursed a $ 1.08 million home loan single handedly.
- Obtained “Runner’s up Certificate” during zonal branch retail advances campaign.
- Awarded “First Prize” during Economics Expo at Manipal University.
- Collaborated with team of three in the development of Asset portfolio of the branch
Timeline
Assistant Manager
Bank of Baroda
05.2017 - 03.2020
Diploma - Banking & Finance
Manipal University
03.2016 - 03.2017
Audit Associate
KPMG
07.2013 - 02.2015
Bachelor of Commerce (Hons) -
Delhi University
04.2010 - 06.2013
XII - Commerce
St. Jude Dehradun
04.2009 - 03.2010
High School Diploma -
St. Jude
04.2007 - 03.2008
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