Divya Nambiar
Thrissur, Kerala · +91 90000 00203 · [email protected]
Summary
Loan processing officer with 4 years of experience in home and personal loans at an NBFC. Accurate with documents and credit checks, and good at moving files to disbursal on time.
Experience
Loan Processing Officer, Kerala Home Finance
Thrissur · Sep 2022 to Present
- Processed 70 home loan files a month and kept the rejection rate from errors below 2%.
- Checked income, property and credit documents and flagged 35 high-risk cases that saved an estimated ₹1.4 crore in losses.
- Cut average time from login to disbursal from 12 days to 8 by chasing pending documents daily.
- Maintained a tracker of 200 live files that the branch manager reviewed every week.
Documentation Executive, Malabar Gold Loans
Thrissur · Jul 2020 to Aug 2022
- Prepared and verified documents for 45 loans a month with 99% accuracy.
- Supported the credit team by gathering bank statements and ITRs for 300+ applicants.
- Trained 3 new joiners on the loan origination system.
Education
B.Com, Finance, University of Calicut (2017 to 2020) · First class, 68%
Skills
Loan origination · Credit appraisal basics · Document verification · KYC and AML · CIBIL report reading · Home and personal loans · Turnaround time management · MS Excel · Customer follow-up · Malayalam, Hindi and English