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.
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 2014Jan 2014
Accounting Executive with Manubhai Shah
Undertaken accounting training for 3 months
Jan 2013Jan 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 2012Jan 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.