Mitesh Ghervada

• Managing working capital proposals with ticket size of INR 2-40 Crores and holding the decision power of INR 5 Crore.
• Looking after Baroda & surrounding locations including Bharuch and Anand.
• Evaluation of customer credit data to determine level of risk involved in money lending.
• Perform credit reviews on corporations to assess financial conditions.
• Utilize strong communication and interpersonal skills to obtain necessary financial information from customers.
• Monitor credit accounts routinely to identify and mitigate issues and prevent losses.
• Manage the underwriting of all cases in the area within stipulated time as prescribed.
• Preparation of the CAM / Product note based on evaluation.
• Check and verify credit history of borrowers through dedupe reports.
• Verify the Financial statement and Bank entries of the applicants.
• Ensure all loan applications are appraised as per credit policy and within applicable TAT along with meeting the customer if required for stipulated loan amount.
• Managing healthy portfolio quality and handled delinquency from time to time.

Workflow history at HDFC Bank:

• Sept 2014-May 2015: Credit Manager for TW Loans at Ahmedabad location.
• June 2015-July 2016: Credit Manager for TW & Auto Loans at Anand location for credit of dual product.
• Aug 2016-Mar 2021: Credit Manager for Auto Loans manager at Baroda & surrounding locations.
• Apr 2021-Oct 2022: Credit Manager for Wholesale SME Credit (Small ticket up to Rs.10 Cr) at Baroda & surrounding locations.
• Decision power: Rs.7 Crore for Wholesale SME Credit, Rs.35 Lacs for Auto loans credit & Rs.50K for TW loans credit.

• Have Worked as a Senior Financial Analyst I in SNL Financial (Presently known as S&P Global Market Intelligence) responsible for accurate data collection for European banks.
• Associated with training programs and acted as trainer for major applications used for financial data analysis.
• Captured comprehensive information on data tracked by respective departments.
• Reviewed feedback to help correct errors and establish procedures to improve accuracy.
• Stayed up-to-date on industry trends and reporting standards.
• Troubleshot problems and provided meaningful feedback to coworkers.

• Provided customer service through online chat for Verizon who is leading internet service provider in USA.
• Handled three customers simultaneously achieving high satisfaction levels.
• Navigated customers through online order processes with promotions.
• Qualifying customer's needs and explaining the best-suited services.
• Maintained company's service quality by ensuring satisfaction.