Sandeepa H K
Davangere
Summary
Experienced professional with excellent administrative and client relation skills seeking Credit Manager position within a dynamic organization that provides opportunity for growth and personal development. Proven ability to gain the confidence of customers, employees, and management. Diligent Bank Credit Manager who remains current in credit and loan regulations and procedures within the financial industry. Adept at assessing client needs in a timely manner.
Overview
2
2
years of professional experience
2
2
Certifications
Work History
CREDIT MANAGER
HDFC BANK LTD
Bangalore
09.2021 - 12.2023
- Monitored all credit requests and either approved or disapproved them after proper scrutiny
- Maintained portfolios of lenders and ensured quality at par with bank standards
- Reviewed new and existing portfolios and identified risk areas
- Coordinated with technical experts on all large and complex loans
- Made credit decisions within assigned authority
- Research and evaluate clients' creditworthiness
- Create credit scoring models to predict risks
- Approve or reject loan requests, based on credibility and potential revenues and losses
- Calculate and set interest rates
- Negotiate loan terms with clients
- Monitor payments
- Maintain records of loan applications
- Follow up with clients to manage debt settlements and loan renewals
- Ensure all lending procedures comply with regulations
- Develop, review and update our company's credit policies
- The incumbent is responsible for credit underwriting of customers across individual, business banking and rural ecosystems with a focus on 360 degree Banking
- Through a superior service, delivery and transaction experience for customers, the Credit Manager gets an opportunity to capture the diverse 360 degree banking needs and offers solutions accordingly
- The incumbent works closely with the Sales & Relationship teams to onboard value customers for the Bank
- The role has a significant contribution towards capturing opportunities across customer segments
- Primary job duties/responsibilities Undertake a comprehensive 360 Banking assessment of customers and offer right Banking solutions
- Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers.
Education
Master Of Business Administration - Banking and Finance
Jain Intuition of Technology
Davangere 07.2021 - 3 2022
B Com - Mathematics
Davangere University
01.2016 - 1 2019
12th (Intermediate) -
BLR PU College
Sirigere 01.2014 - 1 2016
10th (High School) -
BLRHS
Sirigere 01.2014 -
Skills
Credit analysis
Teamwork
Time Management
Leadership
Effective Communication
Critical Thinking
Risk assessment
Legal and regulatory knowledge
Communication
Strategic Planning
English
Hindi
Malayalam
Tamil
Kannada
Certification
NISM (National Institute of Security Markets)
Disclaimer
I certify that the information provided in this resume is true and accurate to the best of my knowledge.
Timeline
CREDIT MANAGER
HDFC BANK LTD
09.2021 - 12.2023
Master Of Business Administration - Banking and Finance
Jain Intuition of Technology
07.2021 - 3 2022
B Com - Mathematics
Davangere University
01.2016 - 1 2019
12th (Intermediate) -
BLR PU College
01.2014 - 1 2016
10th (High School) -
BLRHS
01.2014 -