Sachin Heeralal Malviya
Vasai West
Summary
Backed by Good academic credentials, strong ability to identify and resolve customers' problems and assist them to achieve financial issues.
Highly-motivated individual with strong focus and track record of achieving organisation's goals.
I possess good banking knowledge, skills and experience which can be utilized for the betterment of the organization. I truly believe in growing with people and the organization.
Seasoned Senior Credit Manager known for high productivity and efficient task completion.
Specialized in risk assessment, financial analysis, and regulatory compliance. Excel at leadership, communication, and problem-solving to navigate complex credit environments. Ready to leverage skills in strategic planning and team management to drive success.
Overview
11
11
years of professional experience
Work History
Senior Credit Manager
New India Co op Bank Ltd
Mumbai
04.2024 - Current
Credit Manager
New India Co op Bank Ltd
Mumbai
04.2023 - 03.2024
Assistant Credit Manager
New India Co-operative Bank Limited
Mumbai
04.2021 - 03.2023
- Responsible for Sanctioning, underwriting, processing, Disbursement, monitoring, Audit Compliance of Business Loans like Working Capital limits, Working Capital Term Loan, Loan against Property and other security, Machinery & Equipment Loans, Loan for acquiring Fixed assets for business, Commercial Property loan, Commercial Vehicle Loans and retails loans like Home Loans, Mortgage loans, Loan against Property, Vehicle loans, Personal Loans etc
- Takes decision on credit applications under the supervision of head of the Credit Department
- Utilizes provided software to score credit applications
- Performs annual reviews
- Works with the credit administrator on policies and procedures
- Provides support for business developers/ branch banking staffs on new customers
- Undertakes the analysis, evaluation, and underwriting of proposed credit facilities for customers and prospects
- Assesses credit opportunities, identifies key risks and structures alternatives working with relationship managers
- Responsible for conducting research on borrowers and industries
- Takes ownership of the credit process, making decisions in the best interest of the customer and organization
- Responsible for measuring covenants put in place within loan agreements, with a clear understanding of the effect and purpose of those loan covenants, and communicates the compliance of the borrowers to the relationship manager and chief credit officer as needed
- Completes annual reviews, modifications, extensions, renewals, and new loan requests for customers with minimal required changes from the credit approvers
- Analyses more complex credits with assistance from senior department staff
- Applies experience with comparable credits to recommend appropriate covenants, terms, and conditions, and structure for a credit request
- Identifies policy exceptions within a credit request
- Submission of MIS and reports to the management
- Ensure compliance to regulations for Audits
- New Systems and Process Development
Deputy Manager
Indusind Bank Ltd
06.2020 - 04.2021
- Responsible for sanctioning underwriting of credit cards and unsecured loans
- Takes decision on credit applications and also analyses more complex credits with assistance from senior department staff
- Utilizes provided software to score credit applications
- Works with the credit administrator on policies and procedures
- Undertakes the analysis, evaluation, and underwriting of proposed credit facilities for customers and prospects
- Assesses credit opportunities, identifies key risks, and structures alternatives working with relationship managers
- Responsible for conducting research on borrowers and industries
- Takes ownership of the credit process, making decisions in the best interest of the customer and organization
- Provides support to account officers on customer calls as needed
- Completes annual reviews, modifications, extensions, renewals, and new application requests for customers with minimal required changes from the credit approvers
- Applies experience with comparable credits to recommend appropriate covenants, terms and conditions, and structure for a credit request
- Identifies policy exceptions or any deviation within a credit request
- Verification of bank statements and fraud checks
- Coordinating with Vendors for Verification Reports
Credit Officer / Underwriters
Punjab and Maharashtra Co-Op Bank Ltd.
07.2013 - 04.2020
- Analysing the credit proposal in line with Bank’s internal Credit risk policies, guidelines and thorough credit analysis by way of:
- In-depth analysis of operational, business, financial and managerial risks aspects
- Analysing of the borrowers Industry - Market and Demand Analysis of the Industry, industry structure, Porters factor, SWOT analysis etc
- Technical & financial feasibility and due diligence study of the project
- Comprehensive analysis of financial statements of a proposal
- To keep track of borrowers interim financials
- On-going monitoring and risk management of an assigned portfolio of credit clients and report the same to senior management
- To track external events impacting the borrower / industry and in case of any trigger of early warning signals then take appropriate action on exposure including escalation to senior management
- Working on delinquent accounts and following up DPDs to avoid NPA
- To adhere to TAT for reviewing the credit proposal as defined and ensure that output meet the bank’s standard
- To keep a track on exceptions particularly on the critical items such pending security perfection and pending documentation etc
- And escalates the issues if overdue for a long period
- Handling compliance to internal and external policies / regulatory regime (for example RBI’s guidelines on lending, provision etc.)
- Responsible for underwriting, processing, Disbursement, monitoring of Business Loans like Working Capital limits, Working Capital Term Loan, Loan against Property for business purpose, Loan, Machinery and Equipment Loans, Loan for acquiring Fixed assets for business, Commercial Property loan, Commercial Vehicle Loans and retail loans like Home Loans, Mortgage loans, Private Vehicle loans, Personal Loans etc
- Assessment of Credit worthiness of Customer and recommending Loan files for Sanction and approvals
- Execution of Loan documents, Disbursement and Post disbursement activities
- Having knowledge of non-funded facility which is provided by bank to their clients like Bank Guarantee, Solvency Certificate and Letter of Credit
Education
MBA - Finance
D Y Patil University
Pune08-2024
CAIIB - 57.00%
Indian Institute of Banking and Finance
12.2022
JAIIB - 50.00%
Indian Institute of Banking and Finance
12.2015
B.Com - 77.30%
Vartak College of Arts and Commerce
Mumbai12.2013
HSC - 72.00%
Thomas Bapista Junior College
Vasai, Maharashtra12.2010
SSC - 80.30%
B K S English High School
Vasai, Maharashtra12.2008
Skills
- Finacle Software
- Omni software
- LAPS Software for retail Loan appraisal in system
- Lend Perfect for Business Loan appraisal in System
- Ms office and Microsoft Excel
- Finone Processing Software
- Investigations
- Loan Origination
- Risk Analysis
- Research and due diligence
- Loan decision assessments
- Credit analysis
- Policy Development
- Policy Implementation
- Mentoring and training
- Risk Assessments
- Credit evaluations
- Authorizations knowledge
- Underwriting expertise
Accomplishments
- Received various rewards & recognition in professional life for achieving targets of organisation.
- Received Prize in Sports in School and College Level.
- Completed professional certification course in Introduction to Risk Management from New York Institute of Finance.
- Completed certification course in Essential Career Skills for Investment Banking and Finance from New York Institute of Finance.
Languages
- English
- Hindi
- Gujrati
- Marathi
Personal Information
- Date of Birth: 09/19/91
- Gender: Male
- Marital Status: Married
Educationcredentials
- MBA, 2023, D Y Patil University, Pune, Pursuing
- CAIIB, 2022, Indian Institute of Banking and Finance, 57.00%
- JAIIB, 2015, Indian Institute of Banking and Finance, 50.00%
- B.Com, 2013, Vartak College of Arts and Commerce (Mumbai University), 77.30%
- HSC, 2010, Thomas Bapista Junior College, Vasai (Maharashtra State Board), 72.00%
- SSC, 2008, B K S English High School, Vasai (Maharashtra State Board), 80.30%
Languages
English
Proficient
C2
Marathi
Proficient
C2
Gujarati
Advanced
C1
Hindi
Proficient
C2
Timeline
Senior Credit Manager
New India Co op Bank Ltd
04.2024 - Current
Credit Manager
New India Co op Bank Ltd
04.2023 - 03.2024
Assistant Credit Manager
New India Co-operative Bank Limited
04.2021 - 03.2023
Deputy Manager
Indusind Bank Ltd
06.2020 - 04.2021
Credit Officer / Underwriters
Punjab and Maharashtra Co-Op Bank Ltd.
07.2013 - 04.2020
MBA - Finance
D Y Patil University
CAIIB - 57.00%
Indian Institute of Banking and Finance
JAIIB - 50.00%
Indian Institute of Banking and Finance
B.Com - 77.30%
Vartak College of Arts and Commerce
HSC - 72.00%
Thomas Bapista Junior College
SSC - 80.30%
B K S English High School