ROBIN SAINI
Summary
Dedicated Credit Officer and Team Leader, knowledgeable about assessing financial documents, and recommending proposals for approval or disapproval. Adherence to TAT and managing the process flow of loan through Loan Management System had been my core working areas. Looking for a permanent role with a fast growing organization.
Overview
14
14
years of professional experience
1
1
Certification
Work History
RELATIONSHIP MANAGER
HDFC Bank
04.2023 - 11.2023
CREDIT OFFICER
STATE BANK OF INDIA
12.2017 - 09.2022
- Sanctioning of personal loan, auto loan and education loan proposals to the tune of Rs 40 lacs, and underwriting of proposals upto Rs 2 crores for further submission to higher authorities
- Scoring the applicant as per scoring model and taking Go/No Go decision
- Responsible for end-to-end disposal of loan proposals starting from KYC due diligence to determining credit worthiness of the applicant to documentation, disbursement, perfection of security/collateral and post disbursal inspection
- Analysing all the documents viz Income documents, credit reports, and calculation of EMI/NMI ratio for preparing credit appraisal
- Calculating the risk in the proposal and accordingly setting the Rate of Interest for the proposal
- Underwriting loan proposals by analyzing financial statements, cash flow statements, carrying out ratio analysis and mitigating the risk by attaching collateral and inclusion of covenants in the loan proposal.
OPERATIONS OFFICER
Hindustan Petroleum
09.2009 - 06.2021
- Handling inbound and outbound logistics for providing MS and HSD to retail outlets in NCR
- Forecasting and making relevant inventory arrangements keeping in mind the demand during different seasons.
VERBAL TUTOR
Career Launcher & Dhakad Concept
05.2014 - 12.2017
- Writing content and training students for different entrance exams
Education
B.TECH
YMCA Faridabad
01.2009
Certification
- Certified Credit Officer by IIBF, Mumbai
- Certificate in Risk Management, Part 1 - CISI London & IIBF
- Certificate in Commercial Credit by Moody’s
- Certified Treasury Officer by IIBF, Mumbai
Timeline
RELATIONSHIP MANAGER
HDFC Bank
04.2023 - 11.2023
CREDIT OFFICER
STATE BANK OF INDIA
12.2017 - 09.2022
VERBAL TUTOR
Career Launcher & Dhakad Concept
05.2014 - 12.2017
OPERATIONS OFFICER
Hindustan Petroleum
09.2009 - 06.2021
B.TECH
YMCA Faridabad
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