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Hardik Joshi

  • C 175, Yoginagar Township, Chhani, Vadodara•Mob no 704338654,9727185133

 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.

Work experience

Nov 2014Present

Branch Credit 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.
  • Handled compliance with internal/statutory audit.
  • Handled general banking operations.



Jan 2004Jan 2007


Saurastra University

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