Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic
SHRIKANT MENDON

SHRIKANT MENDON

Dombivli East

Summary

Experienced professional with over 8 years of expertise in credit underwriting, financial analysis, risk management, and banking operations. Skilled in managing high-value loan portfolios, ensuring compliance, and providing customer-centric solutions. Proficient in credit risk assessment, portfolio quality, and cross-departmental coordination.

Overview

14
14
years of professional experience
3
3
years of post-secondary education
3
3
Certifications
3
3
Languages

Work History

Manager - Credit Analyst

HSBC
07.2024 - Current
  • Conduct in-depth financial and risk analysis framework for the sanction and disbursement of Overdraft, Loan Against Property (LAP), and Commercial Purchase Loans for Self-Employed Non-Professionals (SENP) borrowers, under non-individual (company) names, including MSME borrowers.
  • Review and clear legal and technical aspects of both Residential and Commercial properties associated with credit applications.
  • Collaborate closely with the Underwriting Team on high-value transactions, with ticket sizes ranging from Rs. 3 Cr to 25 Cr, and an average ticket size of Rs. 5 Cr.
  • Lead personal discussions with applicants to assess business nature, revenue sources, growth potential, and sustainability, ensuring the authenticity of the business and its obligations.
  • Prepare detailed PD Notes for credit applications, managing the entire credit process from initiation to disbursement, ensuring compliance and risk management.
  • Oversee the management of post-disbursement documents, coordinating with various departments including Credit, Legal, Technical, Financial Institutions, and Risk Containment Units to ensure smooth processing of files and effective risk mitigation.
  • Ensure high portfolio quality by monitoring the performance and managing risk exposure through proactive assessment and management.

Area Credit Manager

Aditya Birla Housing Finance Ltd
04.2024 - 07.2024
  • Credit Underwriting, Financial Analysis & Risk Analysis for sanction & disbursement of Housing Loan and LAP for SENP & salaried profile borrowers including review & clearance of legal & technical aspects of the housing property.
  • Personal discussion with the applicant to understand the nature of the business and his revenue source and the authenticity of its business, understand its business growth and sustainability, and enquire about its obligations, and assets. Appraise /underwrite the loan. Manage the entire credit application process, right from login to disbursement. Manage the quality of the portfolio.
  • Working with Mortgage Team (Ticket size more than Rs. 10 Lac to 25 cr). Average ticket size Rs. 1 - 2 CR.
  • Manage post-disbursement documents and partly disbursed cases coordinate with legal, technical, FI, and Risk Containment Unit agencies for processing the file.

Credit Manager

IDFC First Bank Limited
09.2022 - 03.2024
  • Credit Underwriting, Financial Analysis & Risk Analysis for sanction & disbursement of Housing Loans for SENP & salaried profile borrowers including review & clearance of legal & technical aspects of the housing property.
  • Personal discussion with the applicant to understand the nature of the business and his revenue source and the authenticity of its business, understand its business growth and sustainability, and enquire about its obligations, and assets. Appraise /underwrite the loan. Manage the entire credit application process, right from login to disbursement. Manage the quality of the portfolio.
  • Working with Prime segment (Ticket size more than Rs.50 Lac). Average ticket size Rs.2-5 Crores.
  • Manage post-disbursement documents and partly disbursed cases coordinate with legal, technical, FI, and Risk Containment Unit agencies for processing the file.
  • Vendor Management raises invoices and updates and communicates with the vendor if any changes in the process. Comply with our hind sighting team and communicate with them the resolution of queries for audit.
  • Have been authorized with approving authority of Rs.100 Lac.

Credit Underwriter - (officer)

BHARAT COOPERATIVE BANK (MUMBAI) LTD
12.2014 - 09.2022
  • Recommending all types of credit appraisals which include Business Loans, Home Loans, Cash Credit / Overdraft facilities. Letter of Credit Bank Guarantee Limits, Drop line Overdraft Limits, etc. approval/sanction to higher sanctioning authorities.
  • Analyzing company's various business parameters like financial statements including ratios, business drivers, company's growth model, debt repayment capacity, management and loan to collateral value for Bank's internal credit rating.
  • Analyzing the performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness and preparing SWOT analysis.
  • Assessing the proposal with high credit exposures (Credit proposals upto 30 cr).
  • Scrutinizing title deeds and complying with legal opinion, search report and market value of the property, inspecting the customer's business site which includes factories, mortgaged flats or business units.
  • Security creation and post disbursement compliances.
  • Preparing and verifying draft mortgage documents and sanction letter.
  • Review/Renewal/Maintenance/Closure of loan accounts.
  • Complying the KYC Audit and Loan Audit on timely basis.
  • Following up with the customer for their stock statement and EMI's on monthly basis.
  • Monitoring of Credit Accounts on regular basis.

Executive

DCB Bank Ltd
02.2013 - 11.2014
  • Provided technical support and resolved customer escalations, ensuring first-call resolution and account monitoring.
  • Managed inbound call queues, reconciled ATM transactions, and supported RTGS funding for merchant payments.

Financial Analyst

CMC Ltd
10.2011 - 01.2013
  • Analyzed financial statements and prepared financial reports of U.S. & Canadian Companies that were used by management to make critical business decisions.
  • Collaborated with cross-functional teams to develop and implement financial strategies and plans. Assisted in the due diligence process for potential acquisitions, resulting in the successful completion of multiple acquisitions.
  • Collected, reviewed, and analyzed financial data, worked on the development of new financial models, and completed detailed financial forecasts and budgets.
  • Updated Shares Related data on Bloomberg Terminal. Processed the Financial Documents of Various Companies through Different Processes. Worked on various Client Requests as per the Financial Data requirement by the Client.

Education

MBA - Finance

NMIMS
MUMBAI

Bachelor's of Commerce -

Swami Vivekanand College
01.2011 - 12.2011

HSC - undefined

St. Mary's College
01.2008 - 12.2008

SSC - undefined

St. Mary's School
01.2006 - 12.2006

Skills

Data Analysis

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Certification

Cleared the JAIIB (Junior Associate of IIBF) examination.

Timeline

Manager - Credit Analyst

HSBC
07.2024 - Current

Area Credit Manager

Aditya Birla Housing Finance Ltd
04.2024 - 07.2024

Credit Manager

IDFC First Bank Limited
09.2022 - 03.2024

Credit Underwriter - (officer)

BHARAT COOPERATIVE BANK (MUMBAI) LTD
12.2014 - 09.2022

Executive

DCB Bank Ltd
02.2013 - 11.2014

Financial Analyst

CMC Ltd
10.2011 - 01.2013

Bachelor's of Commerce -

Swami Vivekanand College
01.2011 - 12.2011

HSC - undefined

St. Mary's College
01.2008 - 12.2008

SSC - undefined

St. Mary's School
01.2006 - 12.2006

MBA - Finance

NMIMS

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SHRIKANT MENDON