Harish Rawat
Gurgaon
Summary
To enhance my skill, and gain experience for my upcoming challenges while trying to deliver the best out of myself to benefit your esteemed organization in all ways.
Hand on experience in Credit Analysis and decisioning on case related to financing of MSME business through business loans. Good Knowledge of Assets product such and Hypothecation Loan & Loans against Property. Possess excellent communication and interpersonal skills
Overview
8
8
years of professional experience
Work History
Credit Manager
Moneybox Pvt Ltd
01.2024 - Current
- Sanctioning cases with limit up to 10 Lacs
- Process Secured Business Loan for MSME Business
- Coordinate with branches with respective files
- Proper analysation of Property Documents
- To analysis of customer profile and assess his income and eligibility
- To prepare CAM, Financials & credit approval mail
- Organise branch trainings time to time as per requirement
- Visit branches on quarterly basis.
Assistant Manager
Aye Finance Pvt Ltd
06.2018 - 01.2024
- Sanctioning cases with limit upto 3 Lacs
- To check compete file (KYC, Income &Financial Documents)
- Analysing Financial Ratios & Banking Analysis
- Raise queries if there are some documents pending which are required as per policy for loan appraisal and process files with in the TAT
- Co-ordinate with the sales team to complete the pendency
- Prepare Credit Recommendation Note including all the details about customer profile, loan eligibility, financial analysis, sanction condition & deviations.
Credit Executive
Kotak Mahindra Prime Ltd
03.2016 - 05.2018
- To make CAM (including Eligibility, Banking & Financial Analysis, GST)
- To check complete file (KYC, CIBIL, Income & Financial Documents)
- To update data in LOS at the different stages including Dedupe referrals, CIBIL referrals, FI initiation & Underwriting
- To Co-ordinate with Sales & Credit Manager for their respective files.
Education
MBA - Finance & Marketing
Subharti University
Bachelor of Arts
Kumaun University
Intermediate
Uttrakhand Board
High School
Uttrakhand Board
Skills
- Communication
- Critical Thinking
- Time Management
- Leadership
- Team Management
- Good Knowledge of MS Office
Accomplishments
Achieved 9 Employee of the Month in the last Financial Year
Languages
- English
- Hindi
Disclaimer
I do hereby declare that all the details mentioned above are accurate to the best of my familiarity and confidence
Timeline
Credit Manager
Moneybox Pvt Ltd
01.2024 - Current
Assistant Manager
Aye Finance Pvt Ltd
06.2018 - 01.2024
Credit Executive
Kotak Mahindra Prime Ltd
03.2016 - 05.2018
MBA - Finance & Marketing
Subharti University
Bachelor of Arts
Kumaun University
Intermediate
Uttrakhand Board
High School
Uttrakhand Board
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