Reading, traveling, meet people
BHAGYESH DAVE
CREDIT MANAGER
AHMEDABAD
Summary
To enhance my professional skills, capabilities and knowledge in an organization which recognizes the value of hard work and trusts me with responsibilities and challenges.
Overview
3
3
Languages
Work History
Branch credit manager - affordable
Indusind bank
- Credit/Risk Underwriting of Secured Loans
- I.e
- Housing Loan & Mortgage Loan source by sales team
- Reviewing RCU report, FI report submitted by agency
- Interviewing and Evaluating Credit worthiness and understanding Cash flow Analysis of Secured Proposal
- Do PD visit in below 20 lakhs cases and process in system for sanction
- Analysing financial capabilities of clients through various tools viz Banking, Financial Ratios, Financial indicators, CIBIL, IT Returns, GST Returns, Financial of Companies etc
- Recommending above 20 lakhs cases to ACM / RCM / ZCM for approval of Loan proposal & getting it sanctioned after appraising solvency status & verifying documents
- Regularly co-ordinating/lessoning with various Stake holder include Branches , operation team and Sr
- Authorities
- To Control fraud cases if any discrepancy found in any documents
- Responsible for Audit & Regulatory compliance in terms of Credit for all cases.
Manager
Baroda global shared services limited
- Credit/Risk Underwriting of Secured Loans
- I.e
- Housing Loan & Mortgage Loan on scan basis across Pan India except South & East Zone
- Reviewing PSI Sheet conducted with customers by Specialized Mortgage Store at their Business place to understand their business and their industry scale
- Interviewing and Evaluating Credit worthiness and understanding Cash flow Analysis of Secured Proposal
- Analysing financial capabilities of clients through various tools viz Banking, Financial Ratios, Financial indicators, CIBIL, IT Returns, GST Returns, Financial of Companies etc
- Recommending cases to BOB Senior Manager for approval of Loan proposal & getting it sanctioned after appraising solvency status & verifying documents
- Regularly co-ordinating/lessoning with various Stake holder include Branches and BOB Sanctioning Authority
- To Control fraud cases if any discrepancy found in any documents
- Responsible for Audit & Regulatory compliance in terms of Credit for allotted zone.
Sr. Credit officer
Cholamandalum investment and finance company limited
- Played a stellar role in preparing loan applications, evaluating clients' financial information, and calculating risk ratios
- Held responsible for creating and implementing policies regarding the review of customers' credit history and the granting and extension of credit lines
- Actively involved in setting up the procedures for the timely review of all corporate loan proposals, ensuring staff follows set procedures for receiving, processing, checking, and filing loans documentation
- Carried out the in-depth financial statement analysis to manage new and existing relationships and mitigate high-risk credits
- Contributed to interacting with the Area Credit Manager for reporting the determined fraud cases during the credit processes through reports
- Shouldered the entire responsibility of updating the login master tracker daily
- Reviewed and examined the disbursement document daily
- Nurtured and maintained relations with all the team members for seamless functioning
- Coordinated with the RCM, RSM, and ZCM through mails.
Credit executive
HDFC Bank
- Performed and drove the credit reports and financials analysis to provide the credit and operating statements status
- Acquired sufficient information to assess the creditworthiness of newly proposed and existing customers and ensure that all clients met the Bank's requirements
- Held responsible for logging the new case in HDFC bank software after reviewing & examining the papers as per the policies
- Prepared reports on identified fraud cases during the credit process for the credit officer
- Thoroughly examined the disbursement document
- Ensured effective communication and relations with all the team members.
Credit cum sales executive
Bajaj finance Ltd
- Contributed to creating and implementing a strategic sales plan that expands customer base and extends global reach
- Coordinating and liaising with potential clients and growing long-lasting relationships by comprehending their requirements
- Held responsible for managing the credit & operation process of consumer loans standardized process
- Interacted with the clients to gather financial data and documentation
- Analyzed the risks and approved & rejected loan requests
- Assessed clients' financial status
- Played a crucial role in carrying out the credit appraisal for consumer loans
- Orchestrated efforts in performing the selling of Bajaj Allianz life insurance
- Recruited salespeople, developed objectives, trained & coached, and monitored performance while ensuring assigned tasks and responsibilities were fulfilled.
Education
MBA Distance learning - undefined
National institute business management
Graduation B.COM - undefined
Gujarat University
HSC - undefined
Gujarat higher secondary board
SSC - undefined
Gujarat secondary board
Skills
Team buildingProblem solvingCustomer service
Loan Underwriting
Team Management
Loan Underwriting
Credit analysis
Portfolio Management
Fraud knowledge
Application Review
Customer Engagement
Credit Reports
Fraud understanding
Risk Mitigation
Client Relationship Management
Loan Origination
Application processing
Performance monitoring
Risk Assessments
Risk Analysis
Customer Service
Financial Resource Management
Staff Recruitment and Hiring
Data Analysis
Compliance Assessment
Relationship Building
Quality Assurance
Teamwork and Collaboration
Problem-Solving
Know Your Customer
Staff Management
Interests
Timeline
Branch credit manager - affordable
Indusind bank
Manager
Baroda global shared services limited
Sr. Credit officer
Cholamandalum investment and finance company limited
Credit executive
HDFC Bank
Credit cum sales executive
Bajaj finance Ltd
MBA Distance learning - undefined
National institute business management
Graduation B.COM - undefined
Gujarat University
HSC - undefined
Gujarat higher secondary board
SSC - undefined
Gujarat secondary board