Rajan Budhathoki
Hurstville,NSW
Summary
Hardworking Credit Officer 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. Effective at keeping customer loans in line with bank and legal guidelines through systematic assessments of property values and borrower histories. Dedicated to optimizing bank portfolios by balancing risk with profitability. Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Credit Officer
Prabhu Bank Limited
Kathmandu, Nepal
01.2020 - 12.2023
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Reduced delinquency rates by implementing effective portfolio management strategies.
- Streamlined loan approval processes with the development of standardized credit policies and procedures.
- Improved cross-functional collaboration, working closely with sales and operations teams to meet business objectives.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Organized and finalized loan applications for underwriter review.
- Worked with clients to define and implement terms for approved credit requests.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Prepared reports of findings and recommendations.
- Improved overall department efficiency by streamlining processes and implementing new policies.
- Enhanced communication between team members by organizing regular meetings and fostering open dialogue.
- Enhanced remittance processing efficiency by implementing advanced software tools and automating manual tasks.
- Reduced errors in remittance transactions by rigorously following established protocols and conducting thorough quality checks.
- Optimized credit approval and collection processes, improving operational efficiencies by over 75%
Relationship Manager
Prabhu Bank Limited
Connaught Place, Delhi, India
09.2018 - 01.2020
- Established strong client relationships to drive business development.
- Adhered to all applicable laws, regulations, policies, procedures, and internal controls relating to remittances.
- Collaborated with internal teams such as finance, sales, and collections to resolve customer inquiries quickly.
- Provided support to other departments as needed regarding remittances and payments.
- Assisted customers with questions or issues related to their payments.
- Assisted in training new staff members in the processes associated with remittances and payments.
Multi-Unit Operation Manager
Sunrise Bank Limited
02.2014 - 09.2018
- Improved overall store performance by implementing efficient multi-unit operations strategies and streamlining communication processes among units.
- Boosted profitability across multiple locations through effective cost control measures, resource allocation optimization, and inventory management.
- Enhanced customer satisfaction levels by ensuring consistent service delivery, training staff on best practices, and addressing customer feedback promptly.
- Developed strong teams of high-performing personnel through recruitment, coaching, mentoring, and ongoing performance evaluations.
- Improved remittance processing efficiency by implementing advanced software tools and streamlined workflows.
- Reduced error rates in remittance transactions through meticulous data entry and attention to detail.
Education
BBA - Business Administration
Silver Mountain Graduate Business School
Kathmandu04.2014
Skills
- Risk Analysis
- Financial Statement Review
- Customer Relations
- Collateral Risk
- Sales Support
- Portfolio Management
- Documentation Management
- Customer Acquisition
- Financial Acumen
- Financial Statement Analysis
- Compliance Reviews
- Loan Recommendations
- Credit Analysis
- Documentation Preparation
- Documentation Review
- Risk Assessment
- Customer Relationship Management
- Collateral Evaluation
- Problem Solving
- Time Management
- Adaptability
- Conflict Resolution
- Effective Communication
- Decision Making
- Banking Operations
- Business Development
- Debt Restructuring
- Policy Analysis
- Market Research
Certification
- AML/CFT Training,KFA -2022
Languages
English
Professional
Hindi
Professional
Nepali
Native/ Bilingual
Timeline
Credit Officer
Prabhu Bank Limited
01.2020 - 12.2023
Relationship Manager
Prabhu Bank Limited
09.2018 - 01.2020
Multi-Unit Operation Manager
Sunrise Bank Limited
02.2014 - 09.2018
BBA - Business Administration
Silver Mountain Graduate Business School
- AML/CFT Training,KFA -2022
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