Nikhil Chand

Experience

• 

  BSP Financial Group Limited

  Feb 2017 - Oct 2017

  Legal Administration Officer/Attachment
• 

  HFC Bank - Fiji

  Feb 2018 - Jun 2020

  Lending Support Officer

  Reported directly to Manager Banking Operations & Excellence in the Operations & Transformation Unit within the HFC Bank structure. Responsibilities included to attend to loan settlements (inward & outward), attend to account maintenance (settlement and post settlement), table requests from branch regarding account maintenance requiring credit approval, attend to post settlement compliance, filing and other administration work.

• 

  HFC Bank - Fiji

  Dec 2021 - Mar 2023

  Reported directly to the Manager- Retail Underwriting Unit in the Retail Banking Unit within the HFC Bank structure. I, directly and indirectly dealt with customers on a day-to-day basis and provided support to the Retail Banking Unit in managing and controlling accounts designated for Consumer Customers, Executives, and high net-worth consumer customers. Responsibilities included writing quality credit papers, maintaining and improving credit quality, raising file notes for disbursements after loan approval, attending to subsequent/progress drawdowns, undertaking annual, interim, and compliance reviews (if required), generate, analyse and present periodical report to internal and external stakeholders, and maintaining customer data for quality assurance purposes. Worked with a series of delegated KPIs to meet sales targets for lending, deposit, and insurance products to achieve the bank’s profit and volume targets while embracing a "customer-first" approach. Show less Relieve position is taken whenever the Manager is on leave or as and when it is required, as I was the Senior Lead Underwriter.Reported directly to the General Manager Retail Banking Manager- Retail Underwriting Unit in the Retail Banking Unit within the HFC Bank structure. I, directly and indirectly dealt with customers on a day-to-day basis and provided support to the Retail Banking Unit in managing and controlling accounts designated for Consumer Customers, Executives, EXCO and high net-worth consumer customers. Responsibilities included writing quality credit papers, checking and assigning loans for approval written by the underwriters, maintaining and improving credit quality, raising file notes for disbursements after loan approval, attending to subsequent/progress drawdowns, undertaking annual, interim, and compliance reviews (if required), and maintaining customer data for quality assurance purposes. Worked with a series of delegated KPIs to meet sales targets for lending, deposit, and insurance products to achieve the bank’s profit and volume targets while embracing a "customer-first" approach. Show less Relieve position is taken as and when it is required by the Business Unit.Reported directly to Branch Manager, Suva in the Retail Banking Unit within the HFC Bank structure. I, directly dealt with customers on a day-to-day basis, which included the management and control of a prescribed set of accounts as Senior Personal Banker. Responsibilities included to build profit contribution on existing and new customer base by implementing strategies to achieve secured lending, deposit, fee income, interest margin, insurance and other business development targets issued by Branch Manager. Show less

  • Retail Underwriting Officer

    Jun 2020 - Mar 2023

  • 2IC- Relieving Manager- Retail Underwriting Unit

    Jun 2021 - Feb 2023

  • Relieving Senior Personal Banker

    Dec 2021 - Feb 2022
• 

  UDC Finance Limited

  Oct 2023 - now

  Dealer Settlements Officer