Girdhari Pandiya
Churu
Summary
Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Overview
12
12
years of professional experience
2037
2037
years of post-secondary education
Work History
Credit Manager
Au Small Finance Bank
01.2024 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Preparation of CAM (Credit appraisal memorandum) and calculation of eligibility of customer through documents, personal discussion and judge business stability and financial understanding.
- Underwriting- Independently conduct credit analysis according to policy and making sound credit decision and creating terms and conditions for each client. Sanction and disburse case with ensuring TAT
- Training to Sales Team & Management Trainee & Credit officer on Regular Basis to Update Policy & Market Challenges
- Conduct property visit - Visit the property and measure the property area and do other local inquiry to identify the property
- Reports- Analysis of Legal & Technical reports and understand the risk and deviations.
Products-Housing (Construction, Repair& Renovation & extension & Purchase) and LAP & LAP - MSME
Field Visit- Personally visit the customer property and business for business verification in self Employed cases.
Customer history- Researching the history of clients in order to understand their previous credit situations & negotiating with clients in case of any problems in the credit payment. Communicating with the banks and other firms to analyze client's credit issue. - Team collaboration- Communicate with sales and branches regarding specific situations and resolving the sales problems and maintained quality branch portfolio and disbursal activity in co- ordination with customer and sales associates to achieve monthly targets.
- Collection & Recovery – NPAs Recovery and FEMI Cases control and non startarter cases delinquency management for entire assigned cluster; timely review and taking feedback from collection team about cases. Deep analysis of data for every day and month basis about actual reason of early warning stages cases
- Disbursement, Post Disbursement activities like PDC - Nach, Auditing.
- Prepared MIS
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
Senior Accountant
Mahendra singh Khedla Pilani
06.2023 - 01.2024
- Currently handling Accounts Department for the organization; proactive engagement in handling Complete accounting and managing how transactions and other events are to be recognized, measured, presented and disclosed in financial statements
- GST and TDS Finalizing
- Ensuring all payments are made by customers within the stipulated time frame and managing accounts receivable within pre-set parameters and accounting of rejections and reconciliation, etc
- Ensuring all Bank entry are made
Accountant
Elegent Business Solution Pvt Ltd.
01.2023 - 06.2023
- Post business transactions, process invoice, verify financial data for use in maintaining accounts payable records
- Ensuring all payment are made by customers within the stipulated time frame and managing accounts receivable within pre-set parameters and accounting of rejections and reconciliation etc
- Ensuring all bank entry are made
Senior Accountant
Malik Mineral
01.2020 - 12.2022
- Currently handling Accounts Department for the organization; proactive engagement in handling Complete accounting and managing how transactions and other events are to be recognized, measured, presented and disclosed in financial statements
- GST and TDS Finalizing
- Checking overall malik group financial statement
Senior Accountant
Guganram Textile LTD
02.2019 - 08.2019
- Preparation of sales, Purchase invoice, cash and bank vouchers, Debit and Credit Note as per required
- Documenting all cash, credit & bank records, fixed assets, accrued expenses and line of credit transactions
- Working on Accounts Payable/Accounts Receivable & Tax Accounting in Tally ERP 9
Accountant
Sandeep Manju & Company
04.2018 - 01.2019
- Managed daily Production planning and execution; worked on cost reduction planning and implementation
- MIS Report Preparing for Management
- Made all standard vs actual cost reports, final report, P&L statement, cash flow reports and tally Data Entry Reports
- Spare Parts Inventory Maintain
- Contractor Payment planning and ensuring for payment
- Cash and Bank handling directly
As an Article
Kaushik Saraswat Jain & Company
07.2013 - 12.2017
Education
M.com -
Maharaja Ganga Singh University
B.com - undefined
University of Rajasthan
IPCC -
The Institute of Chartered Accountant of India
04.2001 - 11.2015
Skills
Financial statement review
Financial Management
Credit analysis
Risk analysis
Research and due diligence
Policy implementation
Personal Information
Father's Name: Gopiram
Timeline
Credit Manager
Au Small Finance Bank
01.2024 - Current
Senior Accountant
Mahendra singh Khedla Pilani
06.2023 - 01.2024
Accountant
Elegent Business Solution Pvt Ltd.
01.2023 - 06.2023
Senior Accountant
Malik Mineral
01.2020 - 12.2022
Senior Accountant
Guganram Textile LTD
02.2019 - 08.2019
Accountant
Sandeep Manju & Company
04.2018 - 01.2019
As an Article
Kaushik Saraswat Jain & Company
07.2013 - 12.2017
IPCC -
The Institute of Chartered Accountant of India
04.2001 - 11.2015
B.com - undefined
University of Rajasthan
M.com -
Maharaja Ganga Singh University