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
Policy application
Fraud knowledge
Data Analysis
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