Preet Mohinder Singh has over 10 years of experience in credit, finance, accounts and operations. He currently works as an Area Credit Manager for India Bulls Housing Finance in Ludhiana, where he analyzes loan applications, evaluates creditworthiness, and manages the loan approval and disbursement process. Previously, he held credit manager roles at Kotak Mahindra Bank and Axis Bank, where he performed similar duties. He has a B.Com degree and professional qualifications in accountancy, banking, and finance.

1. Preet Mohinder Singh
Address: H.No-131, Block-B, Bhai Randhir Singh Nagar, Ludhiana-141001.
Email: preet_credit@yahoo.co.in
Phone No- 0161-2461131 (R), 09914900131 (M)
Professional Synopsis
More than ten years of hands on experience in the field credit, finance, accounts and operations
with excellent knowledge of computers & financial accounting packages. Result oriented,
dynamic with very strong leadership and communication skills.
Summary of Skills and Experience
India bulls Housing Finance Ltd 30th Sep-2015 till date
Currently working as Area Credit Manager of home loan and loan against property based at
Ludhiana.
Key Tasks handled as ACM in India Bulls Housing Finance
• Analyzing the financial statements and cash flow statements of the loan applicant,
preparing ratio analysis
• Perform the task of analyzing data and evaluating the short and long term prospects of
the applicant’s organization
• Visiting the customer's place & conducting personal discussion with them for evaluating
the creditworthiness, business nature of the customer's
• Visiting the property offered as security by the applicant for availing the loan, verifying the
market value of the property
• Underwriting loan proposal & taking appropriate approvals wherever required
• Managing disbursement activities of the home loan and loan against property
• Co-coordinating with the collection team and customer in case of delinquent customer &
helping them to resolve the same
IngVysya Bank (now Kotak Mahindra Bank) 5th Dec-2013 29thSep-2015
Worked as credit manager (senior manager) of home loan, loan against property and personal
loans in Chandigarh covering tri-city (Chandigarh, Mohali and Panchkula) and Patiala.
Key Tasks handled as credit manager in IngVysya Bank
• Analyzing the financial statements and cash flow statements of the loan applicant,
preparing ratio analysis

2. • Visiting the customer's place & conducting personal discussion with them for evaluating
the creditworthiness, business nature of the customer's
• Visiting the property offered as security by the applicant for availing the loan, verifying the
market value of the property
• Scrutinizing and verifying the documents including legal documents relating to the
collateral provided by customers for ensuring compliance to all rules & policies
• Coordinating with Legal and technical agencies
• Managing disbursement activities of the home loan, loan against property and personal
loan
• Maintaining record of PDD’s and follow up for the same
• Training credit executives, direct sales team & direct marketing agent staff in regards to
credit policies of products of the bank
• Appointing and co-coordinating with Contact Point Verification, Valuation, and Fraud
Detection & Legal Agencies for maintaining turnaround time
• Ensuring no revenue leakage and implementing processes avoiding any fraudulent
activity
• Generating MIS reports to update the upper management about individual and business
performance of the location
• Co-coordinating with the collection team in case of delinquent customer & helping
them to resolve the same
• Internal and concurrent audit compliance reporting
Axis Bank from 29th Sep-2008 to 2nd Dec-13
Joined as credit manager mortgages in Sep-2008 in Axis Bank Patiala covering Patiala, Ambala,
Khanna, Mandi Gobindgarh, Rajpura, Samrala, Samana & Nabha managing team of 2
executives.
Later on transferred in 2009 to Ludhiana as credit manager (home loan, auto loan, personal
loan & loan against property) in Axis Bank Ludhiana covering Ludhiana, Jalandhar, Jagraon,
Khanna, Machiwara, Mandi Gobindgarh, Samrala, Hoshiarpur, Kapurthala and Phagwara
managing team of 3 executives.
Key Tasks handled as credit manager in Axis Bank:-
• Analyzing the financial statements and cash flow statements of the loan applicant,
preparing ratio analysis

3. • Perform the task of analyzing data and evaluating the short and long term prospects of
the organization
• Visiting the customer's place & conducting personal discussion with them for evaluating
the creditworthiness, business nature of the customer's
• Visiting the property offered as security by the applicant for availing the loan, verifying the
market value of the property
• Scrutinizing and verifying the documents including legal documents relating to the
collateral provided by customers for ensuring compliance to all rules & policies
• Underwriting loan proposal & taking appropriate approvals wherever required
• Coordinating with legal and technical agencies, visiting new and upcoming housing
projects in Punjab for Project Approval under financing loan under approved projects of
bank
HDFC Bank from 15
th
Sep 2003 to 25
th
Sep-2008
Joined Centurion Bank of Punjab in Aug 2001 as back office executive on contract basis &
got confirmed in Sept 2003 as operation-in-charge in the asset finance division of Centurion Bank
of Punjab, Ludhiana (covering south Punjab - Moga, Khanna, Jagraon, Mandi-Gobindgarh,
Baghapurana, & Samrala), managing with a team of 3 executives in operations department. In
2004 shifted to credit department of mortgages for Ludhiana & Bathinda, Khanna & Mandi
Gobindgarh. Also handled credit of education loans & auto loans for Ludhiana, Bathinda, and
Khanna & Mandi Gobindgarh.
Post-merger worked as credit manager mortgages in HDFC Bank Ludhiana taking care of
locations of Bathinda, Khanna and Ludhiana.
Key Tasks handled as operation-in-charge and credit manager in HDFC Bank :-
• Reconciliation of all control & collection Accounts of Bank
• Managing the whole of disbursement activities that includes pre-disbursement checking
of loan files of Two-wheeler, Commercial Vehicles, Construction- Equipment’s, Three-
wheelers, Personal Loans, Housing loans & Loan against Properties cases regarding
documentation, , invoices, insurance, legal and technical requirements, & approvals
• Preparing monthly MIS to help the management for future planning & strategies
• Internal and concurrent audit compliance and profit centre costing
• Coordinating with the collection team
• Issuing & maintaining the records of NOC’s

4. • Ensuring that the credit analysis activities are conducted as per prescribed lending
policies
• Visiting the customer's place & conducting personal discussion with them for evaluating
the creditworthiness, business nature of the customer's
• Visiting the property offered as security by the applicant for availing the loan, verifying the
market value of the property
Previous Assignments:-
June 1997–August 2001 Supreme Electricals Accounts In-charge
Key Tasks Handled:-
• Maintaining the primary books of accounts, ledger postings
• Preparing & finalization of profit & loss A/c , balance sheet
• Preparing sales tax returns
• Preparing income tax returns
• Preparing bank & customer ledger reconciliations & stock register
Education Qualifications:-
• Matriculation from Punjab School Education Board, 1990 with 76.5% marks
• Senior Secondary from Punjab School Education Board , 1992 with 73.5% marks
• B.Com from Punjab University, Chandigarh, 1995 with 71.14% marks
Professional Qualifications and Courses: -
• C.A (Inter) from Institute Of Chartered Accountants of India, New Delhi, 1997 with 50%
• M.B.A from PTU in Banking & Finance,2007
• JAIIB from IIBF in 2009.
• CAIIB from IIBF in 2010.
• PGDCA from CAL-C (A Punjab Govt. Undertaking), 1999 with Grade A
• ISO-9000 Quality Management System Auditor Course from Small Scale Industries
Service Institute (A Govt. of India Undertaking), 2001

5. Achievements:-
• Got Merit certificate under National Scholarship Scheme in 1992
• Certificate of Excellence on Equitable Mortgage Awareness Series 2012,Axis Bank
Personal Details:-
• Name Preet Mohinder Singh
• Father’s Name S. Mohar Singh
• Marital Status Married
• Date of birth 19
th
June, 1974

6. Achievements:-
• Got Merit certificate under National Scholarship Scheme in 1992
• Certificate of Excellence on Equitable Mortgage Awareness Series 2012,Axis Bank
Personal Details:-
• Name Preet Mohinder Singh
• Father’s Name S. Mohar Singh
• Marital Status Married
• Date of birth 19
th
June, 1974