Candidate

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First Name: Lancevasanth V
E-Mail Address: lancevasanth06@gmail.com
Country: India
Phone: 9791239491
Current Job Designation: Credit Manager
Job Designation Applying For: Credit Analyst/ Credit Manager
Total Years of Experience: 4 years
Copy your Resume / CV in this box: LANCE VASANTH V
lancevasanth06@gmail.com — +91-9791239491 — Coimbatore, Tamil Nadu
Professional Summary
Detail-oriented and analytical Credit Manager with 3+ years of progressive experience in banking and
NBFC sectors. Proficient in credit analysis, risk management, documentation verification, and loan
processing (PL, BL, LAP, UBL). Proven ability to assess creditworthiness, manage disbursements, and
follow through on end-to-end credit operations. Strong interpersonal and communication skills with a
track record of maintaining financial compliance and accuracy.
Key Skills
• Credit Risk Assessment
• Financial Analysis
• Personal Loan & Business Loan Processing
• LAP (Loan Against Property)
• Document Verification & CIBIL Analysis
• Personal Discussion (PD)
• CAM Preparation & Loan Eligibility
• Disbursement & Post-Sanction Processing
• MS Office (Excel, Word, PPT)
• Customer Interaction & Tele-Verification
Professional Experience
Ambit Finvest Pvt Ltd ( Credit Manager ) Sep 2024 – Present
• Conducted PDs for unsecured business loan applicants to assess intent and repayment capacity.
• Evaluated financials, bank statements, and CIBIL reports to determine loan eligibility.
• Prepared detailed CAMs in line with company policies and credit guidelines.
• Approved or rejected credit files based on comprehensive creditworthiness analysis.
• Collaborated with internal teams to ensure efficient loan processing and disbursal.
IndusInd Bank Ltd ( Credit Officer – LAP ) Jan 2024 – Aug 2024
• Handled credit assessment for Loan Against Property (LAP) applications.
• Verified CIBIL, financial documents, and legal property documents.
• Coordinated FI, PD, and technical/legal evaluations with third-party vendors.
• Ensured loan file compliance before sanction and disbursement stages.
• Escalated risk or policy deviations to senior credit authorities.
Kotak Mahindra Bank Ltd ( Credit Process Associate – PL ) Aug 2022 – Jan 2024
• Verified personal loan applications and conducted document checks.
• Prepared and submitted CAMs for final credit approval.
• Ensured customer eligibility aligned with bank norms and policy.
• Coordinated with sales and credit managers for file movement.
• Supported disbursal processing and agreement execution.
Yes Bank Ltd ( Credit Process Associate ) Apr 2022 – Aug 2022
• Performed tele-verification of customers' personal and employment details.
• Reviewed CIBIL reports and repayment track records for risk analysis.
• Validated application documents before credit assessment.
• Supported field verification and credit decision coordination.
Achievements
• Achieved 95%+ file approval rate in UBL credit underwriting at Ambit Finvest.
• Reduced average turnaround time (TAT) for credit decisions by 20% at IndusInd Bank.
• Consistently met monthly disbursal targets with 100% compliance at Kotak Mahindra Bank.
• Recognized as "Top Performer of the Month" twice for loan processing accuracy.
• Played key role in resolving complex LAP files with legal/technical challenges.
• Trained new joiners in credit process flow and documentation verification.
Tools and Technologies
• MS Excel
• MS Word
• MS PowerPoint
• Loan Origination Systems
• CIBIL & Credit Bureau Tools
• Type writing ( Certified )
Soft Skills
• Analytical Thinking
• Risk Management
• Communication & Interpersonal Skills
• Attention to Detail
• Decision Making
Personal Details
• Father's Name: Vijayakumar I
• Date of Birth: 06.03.2000
• Passport Number: U6003846
• Languages Known: Tamil, English
Declaration
I hereby declare that the information provided above is true to the best of my knowledge and belief. I am
committed to bringing value and growth to your organization through my experience in credit processing
and risk analysis.

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