Listening Music
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
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