Credit Manager Housing Finance : Resume CV

[hgoswami]

Curriculum Vitae :
HITENDRA GOSWAMI
E-Mail : hitendragoswami AT rediffmail.com

Educational Qualification :
· M COM with specialisation in Accountancy from North Gujarat University, Patan with First Class in June, 2001
· B COM from North Gujarat University with Distinction Class in March – 1998.
· LL.B. From Gujarat University with Second Class in March 2003.
· DTP Diploma in Tax & Practice from Gujarat University with Second Class in March, 2002.

Professional Experience :
1. November 2006 to till date with IDBI Homefinance Ltd.
Designation : Manager – Customer Relation.
Job Profile :
**Initial screening of home loan applications and calculation of eligibility considering product policy
**Personal discussion with customer to judge business stability and financial understanding.
**Personal visits in specific cases at business place of customer to have understanding of scale of business and industry
**Assisting RGM in taking prudent credit decision on the basis of eligibility, PD comfort and other criteria mentioned in policy in exposure of individual loan >20 lacks.
**Disbursal activity in co-ordination with customer and sales associates to achieve monthly targets.
**Overall supervision of disbursal department for smooth process flow.

2. July 2006 to November 2006 with E-serve International Ltd.
Designation : Agency Manager for Citibank Credit Card Collection.
Job Profile :
**Handling a Citibank Credit Card collection Agency
**To prepare Projection for the Month to achieve target

3. November 2004 to Jun 2006 with Sakar Management Consultants Pvt.Ltd. (CPA for Home Loan Processing for Citibank N.A.)
Designation : PD officer and Processing Team Leader
Job Profile :
**Initial screening of home loan applications and calculation of eligibility considering product policy
**Personal discussion with customer to judge business stability and financial understanding.
**Personal visits in specific cases at business place of customer to have understanding of scale of business and industry
**Assisting credit manager in taking prudent credit decision on the basis of eligibility, PD comfort and other criteria mentioned in policy.
**Training of new processing executives for calculation of income eligibility and other product and process guidelines.

4. December 2001 to October 2004 with J.T.Shah & Co. (CPA for Home Loan Processing For Citibank N.A.)
Designation : Processing Executive
Job Profile :
**Login of files after checking product criteria
**Co ordination with field executives for resolving quarries raised by for completeness of files
**Verification of legal and technical papers and follow up of the same with lawyer and valuation agency
**Preparation of initial loan eligibility.
**Handled Customer Care Department for Ahmedabad location
**Co Ordination with Front End and Back End Centralised Operation unit based at Chennai.
**Handled disbursement of Mortgage Loans in co ordination with ROPS.

5. May 2001 to December 2001 with J.T.Shah & Co. (CPA for Personal Loan and Auto Loan for Citibank N.A.)
Designation : Processing Executive
Job Profile :
**Initial screening of Personal Loan and Auto Loan application submitted for processing.
**Co-ordination with various sales associates for both the products regarding status of file processing.
**Interaction with ROPS for file booking and disbursement.

Achievements :
**Received certificate of excellence for BEST PERFORMANCE for the year 2005 from Citibank N.A.
**Received certificate of excellence for BEST TEAM MEMBER for the year 2004 from Citibank N.A.
**Received certificate of excellence for STAR PERFORMER for the year 2003 from Citibank N.A.
**Attended “Ambassador to the World “ training given by DSTA, Citibank N.A. and awarded successful completion certificate

Extra Curricular Activities :
**Cleared ‘A’ Grade Certificate Exam held by National Cadet Corps (NCC).
**Cleared ‘Rastrabhasha Prathmic’ exam in first Grade.

Personal Details :
Date of Birth : September 20, ‘77
Gender : Male
Hobbies : Reading, Making new Friends
Languages Known : English, Hindi and Gujarati
Marital Status : Married

[Guest]

Curriculum Vitae :
Name : Sachin J Patel
sachinjramani AT gmail.com

Hobbies :
- Reading Motivational Books
- Playing Chess
- Making new friends
- Listening music
- Signature Reading

Specialization : Finance
- Concentrating in

Objective :
I would like to built up my career in the field of management specially with finance where I can apply all my knowledge, ability with my dedicated efforts to serve the organization.

Professional Qualification :
M.B.A.

Academic Record :
Sr. No. Examination School / College University / Board Year of
Passing Marks Obtained :
1 M.B.A IV Sarvoday College of Mgt & Tech, Limbdi Saurashtra University, Rajkot April 2010 66.83%
2 M.B.A III Sarvoday College of Mgt & Tech, Limbdi Saurashtra University, Rajkot Nov 2009 65.89%
3 M.B.A II Sarvoday College of Mgt & Tech, Limbdi Saurashtra University, Rajkot May 2009 64.93%
4 M.B.A I Sarvoday College of Mgt & Tech, Limbdi Saurashtra University, Rajkot Jan 2009 65.07%
5 B.Com. C.U.Shah City Commerce College, A’ bad Gujarat University 2008 65.44%
6 H.S.C Asarwa Vidhyalay, A ‘bad GUJARAT BOARD 2005 73.67%
7 S.S.C. Swastik Vidhyalay, A ‘bad GUJARAT BOARD 2003 62.43%

Summer Project :
- Company name :- Adani Wilmar Limited,Ahmedabad
- Topic :- Marketing Research
- Duration :- 45 days

Grand Project :
- I have done Grand Project on Retail Banking on the basis of data of various 12 Banks.

Computer Proficiency :
- Office –Word, Excel, Power Point, Access, Tally7.2, email operation

Skills :
- Quick Learning ability
- Positive Attitude

Achievements & Awards :
- Certificate of Adani Wilmar Limited, Ahmadabad for completion of summer intership project.

Work Profile (Senior Executive) :
- I am working from April -2010 to till date in home loan and Mortgage loan department in DSA which is associated with Axis Bank Limited.