CA Nitin Sharma
Summary
As a credit manager with one year of experience in working capital, I have developed a deep understanding of credit risk management, financial analysis, and credit policies and procedures. Through my work, I have gained practical experience in assessing credit risk, analyzing financial statements, and establishing credit limits for clients. During my time as a credit manager, I have collaborated with sales teams to evaluate potential customers and ensure creditworthiness before approving credit applications. I have also worked closely with internal stakeholders, including finance, legal, and risk management teams, to ensure compliance with internal policies and external regulations.
Overview
10
10
years of professional experience
Work History
Credit Manager (MSME - Working Capital)
HDFC Bank Ltd
Ajmer
03.2022 - Current
- Business Group :BBG, EEG & SAB Profile : Credit manager (Ajmer and Adjoining Area)
- Allotted discretionary powers of funding upto Rs1 Cr Under sole authority
- Handling more then 350+ account and value of Rs 550 cr
- Continuous monitoring of entire portfolio including many respects such as low churn , RFA triggers , OBCA deferrals , other critical deferrals and delinquency follow up and timely regularization of account
- Preparation and Elaboration of CMA and Bank statements analysis of clientele and sharing final conclusion over financial prospects of business ans detailed understanding of business model of various entities
- Further assessed for products such as CC , OD basing above knowledge
- Assessing various types of facilities such as TL ,EPC, PCFC, PSCFC, LC , BG , SBLC etc
- Regular visitation to clientele specially to critical accounts, stress accounts & high value clients
- Regular interaction with promoters of above mentioned entities & all for entities for assessing & provision of funding initial & incremental
- Portfolio Management of complete industry catered under WC banner for Ajmer district and Near by Area
- Vendor management and stock audit initiation
- Decisioning of funding and appropriate recommendation to sanctioning Authority.
Credit Manager (Home Loan & LAP)
AU Small Finance Bank
Jaipur
03.2021 - 02.2022
- Credit Underwriting - Home Loans / LAP Loans, -
- Review the documents of the borrower such as KYC documents, ITR’s, Financials Bank statements, Obligations, Savings / Investments to evaluate borrower’s loan eligibility with the objective of minimize delinquencies
- Preliminary screening of borrower’s profile for maintaining the input quality of credit system, First level documentation check for fraud prevention, Data correction and information completeness and Personal discussion (PD) with the customer
- Credit appraisal as per the credit policy to analysis creditworthiness, Risk assessment of clients banking and analysis of credit history based on CIBIL reports
- To ensure consistency in TAT during credit analysis
- Loan calculates as market value and policy norms and down sizes / up sizes accordingly if required
- Checking up Legal and Technical queries
- Coordinate with borrower for documentation related queries / completion
- Site / Business / Employer PD visit of the cases
- Allotted discretionary powers of funding upto Rs 40 lacs Under sole authority
Articled Assistant
S.D. Gupta & Associates
08.2013 - 08.2016
- The audit assignments include review of business operation, financial and accounting information and then reporting the findings, clients include:
- Statutory Audits of nationalised banks & government companies
- Tax Audits of government companies
- Preparation and Filing of returns of individual, partnerships, Companies, trusts etc.
Education
SEBI Registered Research Analyst -
NISM
09.2021
Chartered Accountant -
The Institute of Chartered Accountants of India
11.2020
B.Com (HONS.) -
University Commerce College
07.2014
XII -
RBSE
05.2010
X
RBSE
09.2009
Skills
- Sound knowledge of MS-Excel, MS-Word, MS-Power Point Familiar with Internet Operations Fluent in English
Personal Details
Date of Birth: September 30, 1993
Language Known: English, Hindi
Timeline
Credit Manager (MSME - Working Capital)
HDFC Bank Ltd
03.2022 - Current
Credit Manager (Home Loan & LAP)
AU Small Finance Bank
03.2021 - 02.2022
Articled Assistant
S.D. Gupta & Associates
08.2013 - 08.2016
SEBI Registered Research Analyst -
NISM
Chartered Accountant -
The Institute of Chartered Accountants of India
B.Com (HONS.) -
University Commerce College
XII -
RBSE
X
RBSE
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