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Mohit Garg
Chartered Accountant
2701, Vivant A, Lodha Splendora, Ghodbunder Road, Thane
Summary
Chartered Accountant with 7 years of specialized experience in mortgage services at premier banks. Currently positioned as Senior Underwriter at Axis Bank Ltd, holding approval authority for loans up to 2 crore. Skilled in managing complex cases with an average ticket size of 2.5 crore, delivering results through meticulous analysis and decision-making.
Overview
12
12
years of professional experience
2
2
Languages
Work History
Senior Credit Manager
Axis Bank Limited
10.2023 - Current
- Assessing the credit worthiness of individuals and business customers to appraise/underwrite cases with desired level of quality
- Conducting personal discussion with the clients and evaluating credit reports, earning statement, bank records and tax returns to understand the cashflows, ratios and trends, business strength and market credibility
- Developing a productive team of Credit Associates by hiring, training and providing professional development
- Assisting with developing technological solutions to improve existing processes and overall portfolio management functions
- Setting and ensuring compliance with corporate credit policy and regulatory requirements
- Maintaining thorough documentation process and MIS for effective tracking of proposals documents and TAT monitoring
- Designing and forwarding corrective actions based on root cause analysis of Portfolio and feedback from support groups, PDD and delinquency reporting analysis to maintain quality of portfolio
- Handling audit queries related to processes, documentation, compliance etc.
Senior Credit Manager
Yes Bank Limited
01.2022 - 10.2023
- Collaborated with cross-functional teams to optimize the loan underwriting process, increasing efficiency and reducing turnaround time.
- Established clear communication channels between internal departments to facilitate smooth collaboration throughout the entire lending process.
- Fostered a culture of continuous improvement by encouraging open dialogue among team members and implementing their valuable feedback.
- Maintained strict adherence to regulatory guidelines by conducting regular audits of departmental procedures and implementing necessary updates as needed.
Branch Credit Manager
ICICI Bank Limited
07.2018 - 12.2021
- Appraised salaried, SENP, SEP, NRI cases.
- Part of digitization project (i-disbuse process)
- Provided comprehensive training programs for new hires, ensuring a strong understanding of company policies, procedures, and risk management practices.
Article assistant
Shah Sharma & Associates and Deepak Agarwal, Chartered Accountants
08.2013 - 08.2016
- Statutory Audit
- Accounting and Finance
- Internal Audit
- Direct and Indirect Taxation
Education
CA - undefined
Institute of Chartered Accountants of India
11.2017
B.Com. (Hons) - Accountancy
Jai Narain Vyas University
Jodhpur09.2012
Class XII - undefined
Lucky Bal Niketan Senior Secondary School
04.2009
Class X - undefined
Indian School
04.2007
Skills
Credit assessment and underwriting
Effective decision making
Familiarity with banking applications
Analysis and case management
Risk mitigation strategies
Assessment of creditworthiness
Engagement with customers
Team leadership skills
Delinquency oversight
Interests
Running and Gym
Travelling
Timeline
Senior Credit Manager
Axis Bank Limited
10.2023 - Current
Senior Credit Manager
Yes Bank Limited
01.2022 - 10.2023
Branch Credit Manager
ICICI Bank Limited
07.2018 - 12.2021
Article assistant
Shah Sharma & Associates and Deepak Agarwal, Chartered Accountants
08.2013 - 08.2016
CA - undefined
Institute of Chartered Accountants of India
B.Com. (Hons) - Accountancy
Jai Narain Vyas University
Class XII - undefined
Lucky Bal Niketan Senior Secondary School
Class X - undefined
Indian School