Kamal Umrani
Jaipur
Summary
Seasoned financial manager with broad experience in budgeting, forecasting, and strategic planning. Skilled in optimizing financial processes and leading teams to exceed corporate goals through innovative strategies and efficient resource allocation. Proven track record of enhancing operational efficiency and financial health within diverse organizations. Demonstrated ability to analyze complex financial data and recommend actionable solutions that drive growth and profitability.
Skilled credit manager administers credit operations and account management. Top strengths in data analysis, time management and both verbal and written communication. Several years of experience supporting financial needs for organizations within the field.
Overview
16
16
years of professional experience
Work History
Senior Credit Manager
Hdfc BankLtd.
Jaipur
07.2008 - Current
- Analyzed credit risk and developed strategies to reduce exposure.
- Developed and maintained relationships with commercial customers.
- Reviewed customer financial statements, credit ratings, and other information to determine creditworthiness of potential customers.
- Assisted in training new employees on the company's credit policies and procedures.
- Evaluated existing internal processes for approving customer applications for credit lines.
- Conducted periodic reviews of customer files to ensure compliance with established policies and procedures.
- Worked closely with sales teams to identify new opportunities for extending customer credit limits.
- Ensured all applicable laws, regulations, rules, and standards were followed when approving or denying loan requests from customers.
- Performed regular audits of the department's operations to ensure accuracy in processing applications.
- Coordinated with external auditors during annual compliance reviews of the company's lending activities.
- Analyzed data from various sources such as balance sheets, cash flow statements, income statements., in order to make informed decisions about extending additional lines of credits.
- Evaluated business practices and loan procedures to assess risk and develop mitigation plans to protect business operations and assets.
- Evaluated and approved credit applications based on thorough financial analysis and risk assessment.
- Prepared and presented regular reports on credit risk exposure and performance to senior management.
- Developed and maintained relationships with external credit reporting agencies and financial institutions.
- Led, trained, and supervised credit department staff, promoting a culture of high performance and accountability.
- Managed and monitored corporate credit policies to minimize risk and ensure compliance.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
Education
M.COM - Economics
Rajasthan University Jaipur
Jaipur05-2010
B.COM -
University of Rajasthan
Jaipur05-2008
Skills
- Client confidentiality
- Patience and persistence
- Data entry proficiency
- Aging reports analysis
- Risk management
- Problem identification
- Credit risk assessment
- Risk mitigation
- Relationship management
- Portfolio management
- Underwriting expertise
- Investigations
- Proficient with [software]
- Records management
- Expertise in [software]
- Investment guidance
- Policy implementation
- Financial forecasting
- Performance monitoring
- Mentoring and training
- Strategic planning
- Authorizations
- Loan policy limits
- Sales proficiency
- Collateral evaluation
- Debt restructuring
- Loan origination
- Performance improvements
- Workflow coordination
- Credit reports
- Risk assessments
- Procedure enforcement
- Data interpretation
- Proficient in [language]
- Sales expertise
Languages
Hindi
First Language
English
Advanced
C1
Timeline
Senior Credit Manager
Hdfc BankLtd.
07.2008 - Current
M.COM - Economics
Rajasthan University Jaipur
B.COM -
University of Rajasthan