Mohd Arman

Experience

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  Dhara motor finance

  Sept 2022 - Aug 2023

  Credit Officer

  -Handling Credit team of 6 branch -Credit Appraisals & Sanctioning of Auto loan & Loan Against Property (Lap)-Responsible to frequent visit to Branches and provide training to credit team & sales team about Credit processes, compliance , deviations, on field by taking them on PD & Preparation of CAM-Monitoring on Compliances as per Credit policy and appraising the loan proposals by analyzing Financial Statements, Banking & Cash Flows observed at the time of Personnel Discussion.-Managing the credit processing activities, ensure systematic verification processes and coordinate with legal & technical vendors.-Managing The Whole Process From Login of a File Till Disbursement Among Credit And Sales With Team Members & Sales Coordinators.-Preparing The Cam & Income Sheet & Insurance Calculator & Maintaining The TAT-Management of Relationship With All The Vendors From Reports To Bill Processing Show less

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  Cars24 Services Private Limited

  Aug 2023 - now

  Credit Associate

  - Analyze financial statements, credit reports, and other relevant documents to assess creditworthiness.- Evaluate loan applications, considering factors such as income, employment, credit history, and debt-to-income ratio. - Identify potential risks and mitigants, including credit score, loan-to-value ratio, and collateral.- Make informed decisions on loan approvals, declines, or Recommandation.- Verify loan documents, including vehicle information, insurance, and registration.- Ensure compliance with regulatory requirements and internal policies. Show less