Hi, I’m
Mehul Trivedi
Mortgage Underwriter
Mumbai
Summary
Finance and Marketing Management Graduate With overall 16 Years of Experience including Six years of Team handling,Underwriting Retail SME, Collections and Sales
Overview
17
years of professional experience
1
Certification
4
Languages
Work History
Standard Chartered Bank Mumbai
Analyst Manager
01.2017 - Current
Job overview
- Managing Team of 12 Credit Analyst for Mumbai Location for SME Underwriting Products LAP, Working Capital, BIL and Home Loan for processing transaction defined as Country Credit Policy Manual
- Collaborated with stakeholders to identify business needs and data sources.
Generated ad-hoc reports to evaluate specific business requirements. - Accountable for maintaining delinquency levels way below portfolio delinquency.
- Accountable for ensuring accurate assessment of applicant's credentials as per credit policy within required TAT. Conducting Credit Interviews
- Ensuring compliance with Banks policy guidelines, regulator guidelines related to KYC, Customers and Property.
- Handling Cross Geography Underwriting for secured/Unsecured and Working capital
- Credit Authority: Retail SME – 7.50 Cr for L1/L2 & INR 2 Cr under L3 ; Working Capital INR 6 Cr for L1/L2 and Unsecured INR 50 Lakhs L1 & L2 & INR 20 Lakhs under L3
Fullerton India Credit Company Ltd. Mumbai
Senior Credit Manager
09.2014 - 01.2017
Job overview
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Obtained and reviewed credit reports, credit references, and financial statements to establish credit limits for new accounts.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Promoted as Sr. Credit Manager in 2016
- Credit Authority of INR.75 Lakhs
PNB Housing Finance LimitedMumbai
Branch Credit Manager
06.2014 - 09.2014
Job overview
- Handled underwriting of Loan against Property and Home Loan with Credit Authority of INR.75 Lakhs and INR.1 Cr in Four Eye
Fullerton India Credit Company LtdMumbai
Credit Manager
08.2013 - 06.2014
Job overview
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Credit Authority of INR.50 Lakhs
Dewan housing Finance Corporation Ltd Mumbai
Assistant Credit Manager
06.2011 - 08.2013
Job overview
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Reviewed and analyzed loan procedures.
- Obtained and reviewed credit reports, credit references and financial statements to establish credit limits for new accounts.
- Oversaw reporting, documentation and recordkeeping requirements for department.
Bajaj Allianz General Insurance Company Ltd Mumbai
Area In Charge
04.2010 - 06.2011
Job overview
- Managed team of 50 executives through Three team leaders for sourcing General insurance in Direct Marketing Channel
- Exercised leadership capabilities by successfully motivating and inspiring others.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Delivered services to customer locations within specific timeframes.
- Adaptable and proficient in learning new concepts quickly and efficiently.
Fullerton India Credit Company LtdMumbai
Branch Incharge
08.2006 - 04.2010
Job overview
- Managed team of 10 Collections executives through Two team leaders
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Exercised leadership capabilities by successfully motivating and inspiring others.
- Handled team of Credit officer for Period of Aug'07 till Sep'09 for underwriting of Small ticket business loans to self-employed with # Credit Authority of INR.1 lakh.
- Strengthened communication skills through regular interactions with others.
- Proven ability to learn quickly and adapt to new situations.
Education
Somaiya Institute of Management Studies & ResearchMumbai
Master in Financial Management from Finance
04.2006 - 2009.04
SIES College of Management Studies And ResearchMumbai
Executive MBA from Marketing
04.2004 - 2006.03
University of MumbaiMumbai
Bachelors of Commerce from Accounting And Finance
04.1997 - 2000.04
Skills
Managerial experience
Certification
Moody's Analytical Skills
Timeline
Moody's Analytical Skills
08-2017
Analyst Manager
Standard Chartered Bank
01.2017 - Current
Senior Credit Manager
Fullerton India Credit Company Ltd.
09.2014 - 01.2017
Branch Credit Manager
PNB Housing Finance Limited
06.2014 - 09.2014
Credit Manager
Fullerton India Credit Company Ltd
08.2013 - 06.2014
Assistant Credit Manager
Dewan housing Finance Corporation Ltd
06.2011 - 08.2013
Area In Charge
Bajaj Allianz General Insurance Company Ltd
04.2010 - 06.2011
Branch Incharge
Fullerton India Credit Company Ltd
08.2006 - 04.2010
Somaiya Institute of Management Studies & Research
Master in Financial Management from Finance
04.2006 - 2009.04
SIES College of Management Studies And Research
Executive MBA from Marketing
04.2004 - 2006.03
University of Mumbai
Bachelors of Commerce from Accounting And Finance
04.1997 - 2000.04
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