Jose Bino
Credit Manager
Hyderabad
Summary
An enterprising Credit manager with a proven successful track in financial analysis and data interpretation. Highly skilled in adapting to a new environment. Seeking to expand my horizon to a higher level of scope, and is determined to learn more and more. Expertise includes credit analysis, quality and quantitative analysis, Fraud detection, and effective financial planning. I have created my website as a university assignment. I want to bring a change in myself and the wellbeing of others, this is my vision and the path I am choosing now is my missions.
Overview
2
2
years of professional experience
5
5
years of post-secondary education
3
3
Certifications
Work History
Branch Credit Manager
ICIC BANK Ltd.
Hyderabad
08.2022 - Current
- Analyze financial statements and the credit report of the customer or company to mitigate risk and compliance to draw out the creditworthiness of the customer.
- Providing time-sensitive and on-time proposals to the customer, to meet their demand and the banks. Being " Fair to Bank and Fair to Customer".
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Over the course of 7 months, I have completed 500+ applications within multiple departments of the company, also analyzing each and every policy that each department has and adapting to them simultaneously.
- Obtained and reviewed credit reports, credit references, credit insurance, and financial statements to establish credit limits for new accounts.
HR Intern
Synthite Industries Ltd.
Kochi
07.2021 - 09.2021
- Maintained relationships with personnel using strong collaboration and teamwork skills.
- Developed strong written and verbal communication skills.
- Worked with the HR team to coordinate company events.
- Filed paperwork, sorted, and delivered mail and maintained office organization.
Education
Bachelor of Commerce (IFA) - International Finance And Accounting
St. Joseph University
Bangalore, India 06.2019 - 07.2022
High School Diploma -
The Village International School
Kerala, India 06.2017 - 03.2019
Skills
Credit reports
Certification
CRISIL's Certification programme on Credit Assessment and Financial Analysis
Timeline
CRISIL's Certification programme on Credit Assessment and Financial Analysis
09-2023
Branch Credit Manager
ICIC BANK Ltd.
08.2022 - Current
HR Intern
Synthite Industries Ltd.
07.2021 - 09.2021
Entrepreneurial Development from Harvard Business School
10-2020
Bachelor of Commerce (IFA) - International Finance And Accounting
St. Joseph University
06.2019 - 07.2022
National Financial Literacy Assessment Test by NCFE.
06-2019
High School Diploma -
The Village International School
06.2017 - 03.2019
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