Sagar Malik
Ghaziabad
Summary
Professional with strong background in credit management and risk assessment with Enriched experience of 10 years in Mortgage Underwriting, Currently designated as an ACM-LAP/WC in Axis bank.
Skilled in financial analysis, credit evaluation, and portfolio management. Strong focus on team collaboration and achieving results, adapting to changing needs seamlessly. Known for reliability, integrity, and leadership in driving financial performance and minimizing risk.
Equipped with strong problem-solving abilities,Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm.
Overview
10
10
years of professional experience
Work History
Area Credit Manager-LAP & WC
Axis Bank Limited
12.2022 - Current
- Team Handling & Credit Risk Assessment of Mortgage Products (LAP & Working capital)
- Adherence & Supervision of Audit, Compliance requirements .
- Checking CIBIL (Commercial and individual) to find out the obligation of applicant or company (Proprietor, Partnership Private Limited).
- Analyze applicants' financial status, credit, Bnaking and property evaluations to determine feasibility of granting loans.
- Analyze financial documents for last three years for proprietorship, partnership and Private limited. Calculating Liquidity Ratio, Net profit ratio, Gross profit ratio, Debt Equity Ratio, Interest coverage ratio for last three years.
- Analyze Fixed obligation to income Ratio & Installment to Income ratio for calculating individual Credit Worthiness
- Personal Discussion with customer at his office or business premises to understand their Net worth and case comfortable points.
- Making Customer Personal discussion sheet with all details about customer's Business profile and Total property cost and registry value & Legal with case positive points and Negative points.
- Making loan Eligibility sheet on system & update remarks regarding the profile of customer
- Get loans approved within specified limits, and refer loan applications outside those limits to management for approval.
Area Credit Manager-LAP/HL
Aditya Birla Capital Ltd
10.2021 - 12.2022
- Credit Risk Assessment of Mortgage Products (LAP & HL)
Credit Manager-LAP
HDFC BANK LTD.
04.2018 - 10.2021
- Credit Risk Assessment of Mortgage Products (LAP & DOD)
Branch Credit Manager
Reliance Home Finance LTD
11.2016 - 04.2018
- Credit Risk Assessment of Mortgage Products (HL/LAP)
Credit Analyst
HDFC Sales Private Limited
09.2015 - 10.2016
- Credit Risk Assessment of Mortgage Products
Education
MBA(Finance) -
Swami Vivekanand Subharti University
11-2020
CA-FINAL II -
ICAI
01-2017
CA – IPCE II -
ICAI
01-2011
CA – IPCE I -
ICAI
08-2010
CA – CPT -
ICAI
B.Com (Hons.)-Regular -
Zakir Hussain College, Delhi University
01.2010
Class XII - undefined
CBSE
01.2007
Class X - undefined
CBSE
01.2005
Skills
- Basic working knowledge of Tally, SAAP
- Flexible and Adaptable
- Cash flow analysis & Credit risk assessment
- Collateral evaluation & Investigations
- Data interpretation & Credit reports
- Client relationship management
- Strategic planning & Policy application
- Risk analysis & Risk mitigation
- Regulatory compliance
- Research and due diligence
- Problem-solving abilities
- Underwriting guidelines
- Residential mortgage lending regulations
- Ratio analysis & Debt-to-income ratios
- Asset appraisal & Income & Loan evaluation
- Analytical and critical thinking
- Report preparation
- Loan feasibility assessment
- Financial statement analysis, Data analysis & Market analysis
- Microsoft Excel proficiency
- Market trend analysis & Portfolio management
- Credit policy development
- Business intelligence tools
Accomplishments
- Awarded Silver Star Award in HDFC Bank in Aug 2018
- Team member in Audit of India Bulls for Portfolio Takeover by HDFC Bank
- Secured 60%marks in NATIONAL MATH OLYMPIAD held in year 2003.
- Participated and received certificates in contest held in school.
Timeline
Area Credit Manager-LAP & WC
Axis Bank Limited
12.2022 - Current
Area Credit Manager-LAP/HL
Aditya Birla Capital Ltd
10.2021 - 12.2022
Credit Manager-LAP
HDFC BANK LTD.
04.2018 - 10.2021
Branch Credit Manager
Reliance Home Finance LTD
11.2016 - 04.2018
Credit Analyst
HDFC Sales Private Limited
09.2015 - 10.2016
Class XII - undefined
CBSE
Class X - undefined
CBSE
MBA(Finance) -
Swami Vivekanand Subharti University
CA-FINAL II -
ICAI
CA – IPCE II -
ICAI
CA – IPCE I -
ICAI
CA – CPT -
ICAI
B.Com (Hons.)-Regular -
Zakir Hussain College, Delhi University
Statutory Audits
- POWER INDUSTRIES: PTC INDIA LTD.
- MANUFACTURING & SERVICE INDUSTRIES: OSWAL CHEMICAL & FERTILIZER LTD., STARION PRIVATE LTD., SPORTS STATION INDIA PVT LTD, OVN TRADING ENGINEERS PVT LTD.
- FASHION & TEXTILE INDUSTRIES: ROHIT BAL DESIGNERS PVT LTD., SARA TEXTILES LTD.
- Concurrent Audit: BANK OF TOKYO
- Special Assignment: DIAL( Payroll Audit), HONDA CARS INDIA LTD. ( Compliance Audit)
- Internal Audit: NAUKRI, LAVA INTERNATIONAL PVT LTD.
Training
- Executed an in – dept detailed analysis of the collected accounting data for various client organizations.
- Scrutinized general ledgers reconciliations, general vouchers, and conducted numerous examinations including P&L.
- Recommended effective controls after carefully analyzing the system to maintain high standard pf precision in all predictions and calculations.
- Synchronized audit activities of various clients within time constrain as well as trained the junior staff.
- Has undergone 3 years intensive full time training under the guidance of M/s TR Chadha & company , chartered Accountants at New Delhi. The major experience and skill gained during training period are :
- Preparation of Final Statements i.e. Balance Sheet, Profit and Loss Account and the accompanying Notes to Accounts.
- Scrutiny of various ledgers i.e. Cash Book, Bank Book, Journal and BRS.
- Cash and bank vouching, Purchase and Sales ledgers.
- Checking of fixed Assets registers and depreciation there on.
- Checking the applicability of the accounting standards and companies act provisions.
- Physical verification of cash, security items, stock and related records.
- Checking Timely Compliances of Statutory returns.
Hobbies and Interests
Market research, Industry analysis, Playing Cricket, Watching Movies , Wrestling, Listening Music, Hangouts with Friends.