Credit Manager with 3.5 years Experienced
- I am having 3.5 years’ experience in credit department of Bank. I am doing underwriting of mortgage loans applications both retails as well as high-value applications. I had done underwriting of cash credit limit sanction, enhancement, renewals & project finance applications.
- I have carried out MSME risk rating, supportive tool for taking credit decision.
- Good attitude and relationship maintenance with sales team and channel partners are additional skills.
Nov 2014 - Present
Manager with ICICI Bank
- Carrying underwriting of Mortgage loan applications (home loans, NRP & LAP loans)
- Carrying out underwriting of high value cases value upto Rs 3 crore
- Carried out personal discussions with customers
- Maintaining liaison with channel partners
- Winner in Retail Sprinter Competition – having PAN India rank in mortgage segment.
- Winner of Best BCM- Insurance penetration contest twice
- Appraising 90+ files & 90+ full dockets on avg each month.
Jan 2014 - Jan 2014
Accounting Executive with Manubhai Shah
- Undertaken accounting training for 3 months
Jan 2013 - Jan 2014
Manager Credit with Punjab National Bank
- Done credit underwriting of cash credit a/c’s and project finance applications
- Carried out risk rating of loan proposals.
- Handled LC and BG business also
- Carried out periodic stock verification, property verification and discussion with customers
- Given appropriate attention towards delinquent accounts
- Preparation of various statements such PMS data, QRS sheets, LSS statements
Jan 2012 - Jan 2013
Assistant with Citizens Co Op Bank Ltd
- Done credit underwriting of home loans, auto loans & TW loans
- Further handled cash credit renewals, enhancement, fresh limit sanctioned applications
- Handled Credit Portfolio of Dhoraji and Morbi Branches along with Rajkot.
- Carried out periodic stock verification, property verification and discussion with Customers.
- Handled compliance with internal/statutory audit.
- Handled general banking operations.
Jan 2004 - Jan 2007