CA Anjali Jhanwar
Summary
Results-driven Chartered Accountant with proven expertise as a Credit Manager at HDFC Bank. Skilled in evaluating, underwriting, and managing retail agricultural loans and Home loans. Strong background in analyzing financial statements, ITRs, GST, and legal compliance with the ability to balance risk and growth.
Overview
6
6
years of professional experience
2
2
Languages
Work History
Credit manager - Home loans
HDFC Bank Ltd.
06.2025 - Current
- Evaluated and processed home loan applications of employed product in line with credit policies and risk parameters.
- Assessed borrower eligibility through detailed analysis of income, banking, and property documents.
- Coordinated with sales, legal, technical, and operations teams to ensure end-to-end loan disbursal.
Credit Manager – Retail Agri Lending
HDFC Bank Ltd.
10.2023 - 05.2025
- Appraisal and assessment of agricultural loan proposals exposure of more than 2 lakh to 5 crore including crop loans, dairy, farm mechanization, and govt scheme loans.
- Credit underwriting as per policy guidelines conducted in-depth by analyzing applicant profiles, financial statements, Cibil, ITRs, bank records and repayment capacity.
- Decisioned more than 1200 loans of various types of applications based on financial viability, creditability and risk analysis.
- Managed end-to-end credit processing including proposal review, credit visits, risk analysis, documentation, and sanctioning.
- Monitored portfolio quality, conducted deliquent visits, and took corrective actions to control delinquencies.
- Liaisoned with sales teams and external agencies to ensure effective credit delivery and recovery mechanisms.
- Performed annual mutation checks of HDFC Bank’s charges on agricultural land.
- Reviewed, validated, and processed vendor invoices to ensure accuracy and transparency.
Article Assistant
Ankit Kothari & Associates
09.2019 - 08.2022
- Assisted in statutory audits, tax audits, and GST audits of various companies.
- Assisted in preparation and finalization of financial statements in compliance with accounting standards and legal requirements.
- Prepared and filed income tax return, TDS returns, and GST returns for individuals, firms, and companies.
- Prepared Credit Monitoring Analysis (CMA) reports.
- Conducted bank and cash reconciliations, ledger scrutiny, and voucher verification.
- Gained hands-on experience with Tally ERP and MS Excel for accounting and audit tasks.
Education
Chartered Accountant -
Institute of Chartered Accountants of India
Skills
- Credit & Risk Analysis
- Financial Statement Analysis
- Loan Underwriting
- Compliance & Auditing
- Tally ERP 9, MS Office suite, Laser Soft, ILPS
Achievement / Extracurricular
- Gargi Award – Govt. of Rajasthan (X & XII)
- Monetary Award – Commerce Olympiad
- Associate Faculty – Taxation, Shri Pragya College
Timeline
Credit manager - Home loans
HDFC Bank Ltd.
06.2025 - Current
Credit Manager – Retail Agri Lending
HDFC Bank Ltd.
10.2023 - 05.2025
Article Assistant
Ankit Kothari & Associates
09.2019 - 08.2022
Chartered Accountant -
Institute of Chartered Accountants of India
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