Jayesh Gurav
Summary
Credit Underwriter with expertise in financial analysis, credit policy creation, and risk management at PNB Housing Finance Limited. Proficient in MS Excel for data-driven decisions and skilled in fostering client relationships. Independently managed loan approvals up to ₹40 lakh.
Overview
2
2
years of professional experience
Work History
Credit Underwriter
PNB Housing Finance Limited
02.2024 - Current
- Creating and implementing credit policies and procedures to manage credit risk
- Evaluating credit applications by analyzing financial statements, credit reports, and other relevant data to assess creditworthiness
- Identifying potential risks associated with extending credit and developing strategies to mitigate those risks
- Preparing reports on credit activities, including trends in credit performance and potential risks, for senior management
- Working with sales and finance teams to align credit policies with business objectives while minimizing risk
- Held PD & Sanction rights for loan approvals with a ticket size of up to ₹40 lakh, contributing to efficient decision-making processes.
Consultant (Internship)
ARC-Fin
02.2023 - 05.2023
- Evaluating potential real estate investments, including financial projections and risk assessments
- Advising clients on property acquisition, development, and disposition strategies
- Assisting clients with compliance regarding zoning laws, land use regulations, and other legal requirements
- Conducting research to assess market conditions, trends, and property values to inform clients' decisions
- Building and maintaining relationships with industry professionals, including developers, investors, and government officials
Education
MBA - Finance
ICFAI Business School
02.2024
Bachelor of Management Studies
B.K Birla College of Arts, Science And Commerce
04-2021
Skills
- Credit Score models
- MS PowerPoint
- MS Excel
- Technical Analysis
- Financial Analysis
Projects
Real estate Debt Financing
- Analyzed real estate debt financing options, including commercial mortgages and construction loans, to support property acquisitions and developments.
- Researched market dynamics and identified key players, such as banks and REITs, in structuring debt financing deals.
- Developed risk mitigation strategies by assessing credit risks and optimizing loan-to-value ratios for financial sustainability.
Achievements
- Received Certificate for Research conference
Activities
- Content head Balladist - Poetry club of IBS Mumbai
- Member of Parivartan Social club of IBS Mumbai
- Worked as co-author with writer corner application
Timeline
Credit Underwriter
PNB Housing Finance Limited
02.2024 - Current
Consultant (Internship)
ARC-Fin
02.2023 - 05.2023
MBA - Finance
ICFAI Business School
Bachelor of Management Studies
B.K Birla College of Arts, Science And Commerce
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