Ketan Parekh
Jaipur
Summary
Ambitious and self motivated individual with 5 years of Professional Experience, excellent knowledge of Credit Underwriting in various loans, seeking suitable position in Banking sector.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Senior Credit Manager - Trade Advance
AU Small Finance Bank
Jaipur
04.2021 - Current
- Preparation of CAM and Credit recommendation of Trade Advance for New as well as Existing Dealers.
- Assess the risk in assigned portfolio, diligently managing the portfolio i.e Renewals, Modifications, Enhancements, Adhoc requests.
- Evaluate the performance of Dealers vis a vis Industry performance.
- Analyze Financial statements using Financial Ratios
- Preparation of External Rating sheet of Dealers on monthly basis for submitting to RBI.
- Coordinating with internal departments for disbursement of facilities.
Credit Manager - BL and PL
Aditya Birla Finance LImited
New Delhi
03.2020 - 03.2021
- Underwrite BL and PL files by reviewing and verifying loan applications and supporting documentation of Delhi NCR.
- Use performance history along with Liquidity, Debt and Profitability Ratios, Perfios, Bank Statements to assess Credit Worthiness in evaluation.
- Conduct PDs to understand Customers and their business and regularly monitor Delinquencies.
Credit Manager - Unsecured Loans
SKC Investment Advisors Private Limited
New Delhi
10.2019 - 02.2020
- Underwrite Unsecured loan files by reviewing and verifying loan applications and supporting documentation of Delhi NCR.
- Analysis of Financials and calculation of various Debt to Income ratios.
Credit Manager - Auto Loans
HDFC Bank Limited
New Delhi
03.2018 - 10.2019
- Appraise / underwrite New and Used Car loan files by reviewing and verifying loan application and supporting documentation and accordingly take decision or recommend for approval to higher authorities .
- Making loan eligibility decisions, reviewing and specifying loan conditions as necessary.
- · Responsible for TAT, Interact with Customers and understand the business and regularly monitor Delinquencies.
Manager Credit and Banking
IndusInd Bank Limited
Uttar Pradesh
01.2017 - 12.2017
- Branch Audit and Compliance, HHT and Collection related investigation of entire Uttar Pradesh.
- Review the contract files and ensure that the business process is adhered to and take steps to mitigate related risks.
Education
Chartered Accountancy
ICAI
Jaipur05.2016
Company Secretaries
ICSI
Jaipur02.2012
B.Com
University Commerce College
Rajasthan University07.2009
Skills
Credit Appraisal
Financial Analysis
Business Loans Underwriting
Auto Loans Underwriting
Personal Loan Underwriting
Risk Management
Internal Audit
Certification
- Project Finance - NCFM
- Licentiate Certification - IRDA
- Certificate Programme on “Fundamental Analysis” – National Stock Exchange (NSE)
Hobbies
- Travelling, Writing Poems, Stock Market
Timeline
Senior Credit Manager - Trade Advance
AU Small Finance Bank
04.2021 - Current
Credit Manager - BL and PL
Aditya Birla Finance LImited
03.2020 - 03.2021
Credit Manager - Unsecured Loans
SKC Investment Advisors Private Limited
10.2019 - 02.2020
Credit Manager - Auto Loans
HDFC Bank Limited
03.2018 - 10.2019
Manager Credit and Banking
IndusInd Bank Limited
01.2017 - 12.2017
Chartered Accountancy
ICAI
Company Secretaries
ICSI
B.Com
University Commerce College
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