Manish Kumar
Credit Manager-SME Working Capital
Lucknow
Summary
Experienced Credit Manager with four years of experience in credit analysis and Underwriting for SMEs. Looking for an opportunity to work in a company that offers professional and personal development
Overview
6
6
years of professional experience
5
5
years of post-secondary education
2
2
Languages
Work History
Credit Manager
IDFC First Bank Ltd
03.2024 - Current
- To assess, evaluate, and review credit proposals as a first-level officer for the BBG deals, involving various products like CC, ODs, term loans, and trade finance for proposals up to Rs. 5 Cr.
- Preparing the Credit Appraisal Memo with strict adherence to the Bank Credit Policy and current regulatory guidelines.
- Monitored account performance, and identified early warning signals.
- Conducting an appropriate level of client visits to develop a strong understanding of the client's business and industry dynamics.
- Focused housekeeping, which involves follow-up on clearing deferrals, overdue items, and renewals in coordination with the business RMs
Credit Manager - Wholesale Banking SME
HDFC Bank Ltd
05.2022 - 03.2024
- To assess, evaluate, and review credit proposals as a first-level officer for the EEG/BBG/SAB deals, referred to as wholesale credit involving various products like CC, ODs, Term Loans, and Trade Finance for proposals up to Rs. 10 Cr.
- Preparation of credit appraisal notes with strict adherence to bank credit policy and current regulatory guidelines
- Complete ownership of an assigned portfolio, including regular monitoring, early warning identifications, deferral tracking, and working on appropriate account strategy in conjunction with Business and Credit teams, in line with the bank's risk appetite
- Focused housekeeping, which involves follow-up on clearing deferrals, overdue items, and renewals by coordinating with the Business RM
- Conducting an appropriate level of client calls to develop a strong understanding of the client's business and industry dynamics
Credit Analyst
BMTG Advisory India Pvt Ltd
05.2021 - 03.2022
- Calculated payoff amount required for refinancing the mortgage, with an average of 40 files per day.
- Analyzed credit reports and mortgage statements to understand the creditworthiness of borrowers, credit ratings, delinquencies, frauds, employment history, etc
- Well-versed with the ratio calculations such as DTI, HTI, LTV, CLTV, etc., which are required to check the basic requirements of Fannie Mae and Freddie Mac guidelines.
- Obtained the necessary documents from third-party lenders and processed them into the software, maintaining 100% accuracy.
- Worked on JIRA tickets raised by closers and underwriters to provide quick assistance within SLA, and with high accuracy.
Branch Head
Ujala Credit Cooperative Society Ltd
01.2020 - 05.2021
- Managed day to day branch operational activity and Improved the branch efficiency up to 30% by introducing 3 new business point
- Monitored cash transactions and books match on daily basis to maintain security and 100% accuracy of accounts
- Planned and executed monthly business strategy and monitored the performance with a growth rate of 18% Semi-annually
- Promoted and marketed the branch and its products to existing and new customers and increased the customer base by 27% within 10 months
- Reported and Coordinated with Regional office, Regional Manager and Regional Head
Management Intern
Mswipe Technologies Pvt. Ltd.
04.2019 - 05.2019
- Sales and Business development for Mswipe MQR by onboarding over 200 merchants monthly
- Providing after-sales service to merchants for MQR and POS machines
- Market Survey for 'SME's merchant behavior' from 400+ merchants
Education
PGDM - Finance, Marketing
Jaipuria Institute of Management
Lucknow, India 06.2018 - 03.2020
BBA - General Management
Babu Banarasi Das University
Lucknow, India 08.2012 - 05.2015
Skills
Banking
Certificates
Credit Power Certification- Level 1 -05/2024 (Crisil 1Academy)
Credit Power Certification- Level 2 -07/2025 (Crisil 1Academy)
Timeline
Credit Manager
IDFC First Bank Ltd
03.2024 - Current
Credit Manager - Wholesale Banking SME
HDFC Bank Ltd
05.2022 - 03.2024
Credit Analyst
BMTG Advisory India Pvt Ltd
05.2021 - 03.2022
Branch Head
Ujala Credit Cooperative Society Ltd
01.2020 - 05.2021
Management Intern
Mswipe Technologies Pvt. Ltd.
04.2019 - 05.2019
PGDM - Finance, Marketing
Jaipuria Institute of Management
06.2018 - 03.2020
BBA - General Management
Babu Banarasi Das University
08.2012 - 05.2015
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