Divya Sinha

Mumbai

Summary

Detail-oriented Deputy Manager with expertise in credit assessment, risk analysis, and financial reporting. Proven track record in evaluating loan applications and conducting compliance audits to enhance operational efficiency.

Overview

years of professional experience

Certification

Work History

Deputy Manager

STATE BANK OF INDIA

MUMBAI

01.2020 - Current

Evaluated credit applications and assessed risk levels for loan approvals.
Reviewed financial statements to determine borrower creditworthiness and repayment capacity.
Conducted regular audits of credit files to ensure compliance with policies.
Prepared comprehensive reports on credit assessments for management review.
Assessed property appraisals, title histories and insurance information.
Examined collateral to establish market value and assessed repayment capacity using secondary revenue sources before loan approval.
Responded promptly and professionally to inquiries from customers regarding their accounts.
Cultivated and maintained comprehensive industry knowledge to assess risk solutions and maximize returns.

Education

Bachelor of Science - Chemistry

PATNA UNIVERSITY

PATNA

05-2018

Skills

Credit assessment
Risk analysis
Financial reporting

Audit compliance
Property evaluation
Customer relationship management

Affiliations

Gardening

Languages

Hindi

First Language

English

Intermediate (B1)

Sanskrit

Elementary (A2)

Accomplishments

Award for Excellence in Business Parameter and Audit