Pal Shah
Mumbai
Summary
Enthusiastic Credit manager eager to contribute to team success through hard work, attention to details and excellent organisational skills. Motivated to learn, grow and excel in credit banking industry. Aiming to make a significant contribution to the success of the organisation I represent.
Overview
5
5
years of professional experience
Work History
Senior Credit Manager-Housing Finance
RBL Bank Ltd
Mumbai
12.2022 - Current
- Managing potential customers from various kinds of inputs like Direct Selling Gents (DSA), Connector and Branch Banking.
- Reviewing of Credit Appraisal Memo and evaluating credit worthiness of eligible customers. Physical meeting with the customer for in-depth discussion with the customer
- Single handedly handling and structuring high-value cases upto Rs.15 Cr. Using various ratios for analysis the creditability of the borrower
- Raising Final Approvals, OTC approvals and authorising disbursement dockets
Credit Manager-Housing Finance
Kotak Mahindra Bank Ltd
Mumbai
03.2021 - 12.2022
- Preparation of CAM and evaluating the credit worthiness of potential customers.
- Tele-verification and physical meeting with the customer for in-depth discussion with the customer relating to his business.
- Evaluating of a borrower's loan application to determine if the entity generates enough cash flow to settle its debt obligation.
- Using credit techniques like ratio analysis, cash flow analysis and projections to determine credit worthiness of borrower. Calculating FOIR(Fixed Obligations to Income Ratio and DSCR(Debt-Service Coverage Ratio) for decisioning of the case
- Calculating credit score of the borrower.
- Authorising sanction file docket and disbursement file docket.
Deputy Manager-Credit Middle Office Group
ICICI Bank Ltd
Mumbai
04.2019 - 02.2021
- Verification and numbering of Credit Arrangement Letter. Preparing and pre-vetting of documents being disbursement documents, mortgage documents, ancillary documents, etc.
- Verification of executed documents prior to disbursement/setting up of limits
- Monitoring pending compliances to business teams.
- Involved in other post sanction activities like updation of stock statement, security creation and perfection.
Education
Chartered Accountant -
Institute of Chartered Accountants of India
11-2018
Bachelor of Commerce -
Veer Narmad South Gujarat University
04-2017
Higher Secondary -
Central Board of Secondary Education
03-2014
Skills
- Keen learner
- Dedicated and committed to work
- Strive for perfection of work
- Organisation and time management
- Goal oriented
- Problem solving attitude
Accomplishments
Awarded as the Top Branch Credit Manager-Home Loans for F.Y. 2022-23 in RBL Bank
Languages
English
First Language
Timeline
Senior Credit Manager-Housing Finance
RBL Bank Ltd
12.2022 - Current
Credit Manager-Housing Finance
Kotak Mahindra Bank Ltd
03.2021 - 12.2022
Deputy Manager-Credit Middle Office Group
ICICI Bank Ltd
04.2019 - 02.2021
Chartered Accountant -
Institute of Chartered Accountants of India
Bachelor of Commerce -
Veer Narmad South Gujarat University
Higher Secondary -
Central Board of Secondary Education
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