Javnika Thakkar

Ahmedabad

Summary

Astute Credit Manager driven to minimise risk while capitalizing on opportunities to accomplish bank objective in sales, customer growth and bottom line profitability.

Overview

years of professional experience

Work History

Senior Credit Manager

ICICI Bank

04.2021 - Current

Analyses the risk and credit worthiness of existing and prospective accounts with aggregate exposure of upto Rs. 500 Million.
Perform Credit Investigations, assess the risk to determine appropriate credit limits for all new account requests and perform credit limit reviews for existing customer accounts.
Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
Recommended specific terms and conditions related to the loan structure including repayment terms and financial covenants to mitigate identified risks.
Formulate summary and recommendation for credit decisions on large accounts to be presented to an executive credit committee.
Appraisal of proposal within defined turnaround time.
Conducting credit training for the branch employees, sales team, new joinee of credit team.

Education

Chartered Accountant -

Institute of Chartered Accountants of India

11.2020

Bachelor of Commerce - Bachelor of Commerce

GLS Institute of Commerce

Ahmedabad

2015

Skills

Credit Evaluation
Policy Application

Performance Improvements
Customer Engagement

Hobbies

Hiking, Cycling and Music

Timeline