Summary
Overview
Work History
Education
Skills
Certification
Hobbies
Timeline
Generic
Ketan Parekh

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
Jaipur
05.2016

Company Secretaries

ICSI
Jaipur
02.2012

B.Com

University Commerce College
Rajasthan University
07.2009

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
Ketan Parekh