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
6
6
years of professional experience
1
1
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
PATNA05-2018
Skills
- Credit assessment
- Risk analysis
- Financial reporting
- Audit compliance
- Property evaluation
- Customer relationship management
Affiliations
Gardening
Languages
Hindi
First Language
English
Intermediate (B1)
B1
Sanskrit
Elementary (A2)
A2
Accomplishments
- Award for Excellence in Business Parameter and Audit
Certification
- Moody's Certification in Commercial Credit
Timeline
Deputy Manager
STATE BANK OF INDIA
01.2020 - Current
Bachelor of Science - Chemistry
PATNA UNIVERSITY
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