Balakrishna NA

Credit Assessment Officer at Australia and New Zealand Banking Group

• India
• My current job since January 2010

Credit Assessment Officer (Merchant Sales Support)

 Providing merchant facilites by assessing the Letter of offer & supportive documents.
 Perform credit checks on firms, internal individual credilibity checks as per application.
 Assessing the type of business, functionality & also checking the pre-payment exposer forms.
 Checking firm‘s registration & individual registration, assessing additional documents like franchisee agreement, Contract of sale, Trust deed, registration certificate, minutes of meeting, bank statement, Account authority form, direct debit form etc.
 Perform website check on official sites of the firm to ensure the policies of website match with ANZ policies.

Credit assessment officer (Mortgages-Secondary Level Indexing)

 Assessing the documents recieved from the brokers & solutions.
 Routing the customers documents to the required departments recieved from the brokers & solutions.
 Assigning and allocating the customer’s documents to the senior assessors for further checks.





Additional responsibilities
 Took the initiative to look after the team in the absence of Production Lead & Team Lead. I was the back up for Production Lead.
 Took the initiative to send the daily work-log reports to the counterpart teams in Australia.
 Reports include ATOM (Accurate Timely Operations Management), SOP (State of Play), WIP (Work-in Progress, IQ (Internal Quality) report, TAT(Turn Around Time) reports, Weekly planning
 Allotting and monitoring the work allotted to the team members.
 Helped the entry-level staff members by guiding and teaching the procedures to be effective at process and at work.
 Took the initiative to do internal Quality checks for the new joiners.
 Responding to the quires from the frontline and the customers.
 Handling escalations from the frontline for Merchants.
 Sharing a good rapport with the counterpart team in Australia.
 Target to achieve more than 100% productivity on daily and monthly basis.
 Initiated in getting cross skilled on different process like Indexing, Data Entry & Commercial cards.
 Providing high level of customer service by completing work in an accurate and timely manner.
 Motivating staff to do Overtime and work on Weekends during peak volumes.