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Professional Experience:
Assistant Manager Credit Intelligence Mortgages HSBC India Ltd
(August 2015 Till Date)
Approving all the loan applications as per approved credit and lending
policies with liaising with Sales to ensure efficiency along with complying
with internal and external regulatory guidelines;
Reviewing and approving credit analysis within authority, and ensured
that accounts were properly underwritten, risk rated and collateralized to
mitigate risk;
Evaluating, negotiated additional terms, and designed the structure of
credit facilities for select high profile business relationships with significant
credit
exposure.
Presented
and
defended
analyses,
conclusions/recommendations and credit facility structure to the corporate
credit committee;
Performing due diligence, credit risk assessment and preparing credit
proposals for sanctioning of credit facilities including financial and
industrial
analysis;
Monitor portfolio credit quality and industry concentration consistent with
Company credit
policies while managing for value and reducing risk potential ;
Designing and implementing an extensive analysis and proposal structure
that improved the depth and quality of credit decisions that resulted in
improved risk mitigation for counterparty credit exposures.
Software Used: AAPS, HUB for All accounts Loans, Bank Accounts, Demand
Credit Module, BPM, Loan Tracker System, Esmart, Blacklist Match
Professional Certification
Pursuing Business Analytics from Edupristine and Dun & Bradstreet
Skills:
Credit Analysis, Office Management, Team building & Supervision of Staff, Loan
Documentation, Eligibility Preparation
Additional Information:
Experienced and Goal- oriented Credit Manager with good clean track record of
preparation and analysis of credit applications to determine final loan decisions
and keeping the less delinquencies as well as proper follow-up with customers
post disbursement. Proven expertise in making efficient and profound loan
decisions based on company policy. Overall good performance throughout
academic career and also performed well in extra- curricular activities.
Age and Date of Birth
26 years. December 28, 1989
Languages
English, Hindi and French (Elementary)
References:
Dr. T.N. Srivastava, Ex- Chief General Manager, Reserve Bank of India, 601,
ICICI Apartments, Prabha Devi, Near Kirti College, Dadar (West), Mumbai.
Phone No. +91-9892205717; Email id: drtnsri@gmail.com
Mr. Maynk Bhatnagar, General Manager, Network18 Group Ltd, TV18
Broadcast Ltd, Express Trade Tower, Plot no. 15/16, Sector 16A, Filmcity,
Noida
-201310.
Phone
No.
+91-9871329431.
Email
Id:
maynk.bhatnagar@network18online.com