Credit Manager-KGC AGRI
HDFC Bank
12.2023 - Current
Open To Work
Deepti
Credit Manager-HDFCBANK
Rohtak,HR
Timeline
Chartered Accountant
Neeraj Dheeraj& Associates
09.2016 - 10.2023
Article Assistant
S.P CHOPRA &CO
10.2014 - 09.2016
Chartered Accountant -
Institute of Chartered Accountant
06.2013 - 05.2019
Bachelors of Commerce -
Delhi School of Open Learning
05.2013 - 05.2016
XII -
St. Mary's Convent Sr. Sec School
04.2012 - 03.2013
X -
St. Mary's Convent Sr.Sec School
04.2010 - 03.2011
Work Preference
Work Type
Full TimeWork History
Credit Manager-KGC AGRI
HDFC Bank
12.2023 - Current
- Approve or reject loan applications, based on credibility, potential revenue, and losses.
- Capable of assessing & handling cases ranging from Rs. 5 Lakhs to Rs.100.00 lakhs, with decisioning , both Kisan shakti and On land Funding cases showcasing a wide range of financial proficiency.
- Geographic Responsibility: Overseeing the Rohtak ,Jhajjar and Meham areas to ensure effective financial management.
- Coordinate with the Sales team, Ops team, FCU team, Legal Team, Technical team, and Internal underwriting team for smooth flow of process.
- Fraud Detection and Proper Due Diligence for applications in WIP.
- Ensure all lending procedures comply with regulations.
- Do mutations check of existing Loan Cases.
- Do Cam Renewals of Existing Loan Cases.
- Monitor Portfolio and ensure the cases in DPD are timely recovered.
Chartered Accountant
Neeraj Dheeraj& Associates
09.2016 - 10.2023
- Direct Tax compliance-Preparation and Filing of Income Tax Returns &TDS, Assistance in advance tax computation,
- Computation of Income for company, firm & individuals
- Tax Audit-Preparation of 3CA/3CD & 3CA/3CB, Filing tax audit report online
- Accounting- Preparation & Finalization of Books of account related to company, firm & individuals
- Computation of monthly GST liability on sales and ITC to be claimed for filing GSTR1 and GSTR3B
Article Assistant
S.P CHOPRA &CO
10.2014 - 09.2016
- Statutory Audit, Tax Audit, Accounting, Incorporation of Companies
- Finalization of Books, Preparation of Income Tax Returns, Tax Audit
Overview
12
12
years of professional experience
11
11
years of post-secondary education
Education
Chartered Accountant -
Institute of Chartered Accountant
06.2013 - 05.2019
Bachelors of Commerce -
Delhi School of Open Learning
05.2013 - 05.2016
XII -
St. Mary's Convent Sr. Sec School
04.2012 - 03.2013
X -
St. Mary's Convent Sr.Sec School
04.2010 - 03.2011
Skills
- Credit Management: Proficient in evaluating loan application, conducting risk management &
formulating credit policies to mitigate risk
KGC Agri- understanding of loan industry, financial, legal &
technical compliance, adapt at analyzing property valuations & collateral assessment to determine loan eligibility
Financial Analysis: Skilled in analyzing financial statements, assessing liquidity, profitability, to access financial health of clients
Risk management: Proven ability to identify potential risk, conduct due diligence & implement risk mitigation strategies to safeguard the interest of the organization
- Relationship management: Strong interpersonal & communication skills, adept & maintaining relationship with clients, stakeholders & team members
Summary
Dedicated professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.