Ashwani Ramsamooj

• Maintaining open communication with customers to devise repayment plans.
• Developing relationships with customers, lenders, and third parties.
• Evaluating loan requests and documents for accuracy.
• Conducting comprehensive financial analysis and risk assessments.
• Optimizing lending practices and reducing delinquency rates.
• Analyzing applicants' financial status and credit and property evaluations.
• Devising collection recovery strategies to resolve customer issues.
• Obtaining and reviewing credit reports, references, insurance, and financial statements.
• Evaluating loan products and recommending approval or disapproval.
• Processing loan applications and monitoring progress.
• Adhering to banking standards and government lending guidelines.
• Increasing customer satisfaction scores by promptly addressing credit product issues.

• Recommended approval or disapproval of micro and small loans.
• Underwritten loan applications for client submission.
• Improved cross-functional collaboration with sales and operations teams.
• Review of credit reports, references, insurance, and financial statements to establish credit limits.
• Checked appraisals, title information, and insurance documents for each property.
• Reduced delinquency rates through portfolio management strategies.
• Trained new team members on company-specific processes.
• Verified income, credit reports, and employment histories for each borrower.
• Collaborated with management to evaluate credit strategies and develop improvements.
• Interviewed credit applicants for personal and financial data.

• Maintained accurate financial records by updating client profiles with relevant information and adjustments.
• Assisted in accounts receivable, cash receipts and collections and daily deposits.
• Prepared and distributed monthly statements of accounts.
• Updated client accounts with new information and verified data for informed credit approvals.
• Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.