Sandhiya D

I am seeking a challenging position in a pleasant working environment, which will permit me to continue practicing and expanding my skill set and knowledge base. Driven and results- oriented Banking Operations professional with 3+ years of experience in managing daily operations, optimizing processes, and driving efficiency within financial institutions.

Credit Process Assistant - I Process Pvt Ltd - ICICI Bank - Vellore, India

(2022-08)

ICICI Bank Limited (ICICI Bank) is a private sector bank in India that offers a wide range of banking and financial services. Credit Process Assistant with 3+ years of experience at ICICI Bank.

• Expertise in processing Home Loans, Farmer Finance, Farm Equipment Loans, Auto Loans, Commercial Vehicle and Self-Help Group Loan
• Managed complete loan lifecycle from application processing to disbursement
• Verified property documents, legal opinions, technical reports, pricing approvals, fitment, and survey details for eligibility and risk assessment
• Processed loan applications ensuring adherence to internal policies and regulatory requirements
• Prepared and processed Disbursement Memos (DMs) and maintained accurate MIS reports for sanction and disbursement tracking
• Managed documentation including LAN & SR number filing, invoice and RC updates, and dispatch coordination
• Collaborated with internal teams for SHPI recommendations, margin money verification, CAM approvals, and condition clearance
• Ensured completeness, accuracy, and audit readiness of all loan records
• Systematic Software Knowledge in FINNONE, NEO, APS, ILENS, ICOS and IDISBURSE

Bachelor of Science - Mathematics - D. K. M. College for Women (Autonomous) (2019 - 2022)

Higher Secondary Certificate - HSC - V. K.V. M.

Government Girls Higher Secondary

School (2018 - 2019)

Secondary School Leaving Certificate - SSLC - V. K.V. M.

Government Girls Higher Secondary

School (2017 - 2018)