Credit Manager
IndusInd Bank Ltd
Total years of experience :18 years, 3 Months
Credit Appraisal - Loan Against Property, Business Loan, Loan Against Card Receivables and Working Capital Facility
Competency Matrix
Functional skills
•Credit appraisal
•Team Management
•Training to sub-ordinates
•Hind Sighting
•Presentations and MIS to senior management
•Adherence to internal standards and guidelines
•Key member of LOS up-gradation team
Personality Traits
•Analytical skill
•Sense of urgency
•Leadership skills
•Team motivation
•Interpersonal skill
•Problem solving qualities
•Adaptability and flexibility
•Effective negotiator
•Process Management and improvement
AN OVERVIEW
•Experienced Banking Professional with over 8 years of experience in Credit Appraisal and Financial Analysis spanning across Loan Against Property, Loan Against Card Receivables (secured and unsecured), Business Loans (Unsecured) and Working Capital Facility
•Presently employed with IndusInd Bank, as Area
CORE COMPETENCIES
Credit Appraisal
•Conducting credit investigations and analysing credit information of Mid and Small clients for secured or unsecured funding
•Investigating all available sources of credit and financial information, analysing financial statements and related materials.
•Prepared detailed credit appraisal reports, based on financial ratios, cash flow analysis, business model, asset base, liabilities / obligations, loan requirement, strengths and concerns, SWOT analysis and detailed financial statement analysis including various financial ratios.
Book size, maximum funding and industries catered
•Appraised cases of companies with a turnover of above Rs.5000 crores
•Maximum secured funding done upto Rs.17 crores and unsecured of Rs 100 lacs
•Major industries handled such as Hospitality service, Real Estate, Engineering Goods, SMEs, Trader, Textiles, IT & Software, Logistic, Gems & Jewellery, Commercial Printing and more.
Team Management
•Managing the gamut of tasks including manpower planning and coordinating with the fellow Credit managers in the team, CPA and Sales Teams
•Regular training fellow credit managers in the team, CPAs, Sales team, DSAs and Operation team for understanding of policies, product and system to ensure good quality of outcome and eliminate process gaps.
•Leading and motivating the team to achieve pre set targets
•Key role in recruiting Credit managers and CPAs
Co-ordination and relationship management
•Liaise with the customer during credit assessment cycle and maintain effective customer relation.
•Maintain smooth coordination with Sales team and CPAs and assisting them for smoothening credit process flow.
Disbursement of loans
•Also responsible for disbursement of loans since sales team cannot interact with operations team.
•Co-ordination with operations and sales team thereby smoothening disbursement process.
Investor Relations
•Working on financial models to prepare internal reports of competitor banks and NBFCs
•Analysing ICICI Bank’s stock performance and tracking its shareholders
•Assisting Investor Relation Officer with respect to queries from top management, analysts or investors
•Handling investor queries through mails or calls and ensure quick & efficient solution
•Preparing Board and Investor presentation
•Continuously evaluate possible developments in investor relations services
•Analysing projections by analysts
Audit and Taxation
•Income tax: - Preparation of statement of affairs and computation of income and tax of individuals, HUF, partnership firms and private companies
•Audit: - Tax and statutory audit
•Financial accounting: - Accounting up to finalization of sole trading concerns, partnership firms and private companies
•Sales Tax: - Preparation of sales tax returns; registration and assessment
•TDS: - Preparation and e-filing of TDS returns
•ROC: - Preparation ROC forms
Key role in hind sighting (audit) of loans disbursed by other regions and up-gradation of Loan Origination System (LOS).
•Zero delinquency portfolio of all underwritten loans in unsecured and secured portfolio.
•Consistently received a rating of 3 out of 4 in latest 2 years
• Experienced Banking Professional with over 8 years of experience in Credit Appraisal and Financial Analysis spanning across Loan Against Property, Loan Against Card Receivables (secured and unsecured), Business Loans (Unsecured) and Working Capital Facility • Presently employed with IndusInd Bank, as Area Credit Manager for Mumbai – Secured and Unsecured Funding under LACR scheme: Business Banking Group • Underwriting of Mortgages and Unsecured proposals from Mumbai. • Following up with legal, technical and disbursement teams at various stages of credit processing. • Portfolio Management: through superior underwriting and working closely with collections. • Raising Management Standards & Control: Monitoring of TAT to ensure quality service to customers. Adhere process control and compliance. • Skilled in managing teams to work in sync with the corporate set parameters and motivating them for achieving individual & group goals • A proactive planner with expertise in maintaining relationship withkey decision makers, provide them detailed information with respect to proposals sent for approval and portfolio performance.
• Experienced Banking Professional with over 8 years of experience in Credit Appraisal and Financial Analysis spanning across Loan Against Property, Loan Against Card Receivables (secured and unsecured), Business Loans (Unsecured) and Working Capital Facility • Presently employed with IndusInd Bank, as Area Credit Manager for Mumbai – Secured and Unsecured Funding under LACR scheme: Business Banking Group • Underwriting of Mortgages and Unsecured proposals from Mumbai. • Following up with legal, technical and disbursement teams at various stages of credit processing. • Portfolio Management: through superior underwriting and working closely with collections. • Raising Management Standards & Control: Monitoring of TAT to ensure quality service to customers. Adhere process control and compliance. • Skilled in managing teams to work in sync with the corporate set parameters and motivating them for achieving individual & group goals • A proactive planner with expertise in maintaining relationship withkey decision makers, provide them detailed information with respect to proposals sent for approval and portfolio performance.