Siddhi Shinde
CREDIT Manager
Navi Mumbai
Summary
Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 4 years of banking industry.
Overview
5
5
years of professional experience
2
2
Certifications
Work History
Branch Credit Manager
ICICI Bank
11.2021 - Current
- Reviewing income statements in accordance with operating guidelines and policy mandates to manage credit risk and ensure portfolio quality
- Underwriting mortgage loan proposals, including home loans, non-residential properties, loans against properties, and balance transfers, for salaried individuals with portfolios up to 8 crores.
- Underwriting mortgage loan proposals, including home loans, non-residential properties, loans against properties, and balance transfers, for self-employed individuals with portfolios up to 10 crores.
- Underwriting personal loans with portfolio up to 50 lakhs and auto loans with portfolios up to 10 lakhs.
- Managing the processing and coordination of partial disbursements for builder-under-construction properties in Mumbai region.
- Processing mortgage loan disbursements while ensuring adherence to legal protocols and company policies.
- Ensuring compliance of Company Policies and regulatory regulations in loan
- sanctioning and disbursements.
Email Service Officer
IDFC FIRST BANK
02.2020 - 10.2021
- Coordinated closely with other departments to resolve complex client issues while maintaining professionalism at all times.
- Maintained detailed records of all service interactions, ensuring accurate client information was available for follow-up actions.
- Demonstrated adaptability in managing diverse clientele while maintaining a steadfast focus on quality outcomes.
- Facilitated communication between clients and internal teams to address concerns promptly and effectively.
Business Management Consultant - Finance Intern
Impact Guru Technology Private Ventures Ltd.
05.2019 - 07.2019
- Optimized resource allocation by assessing organizational strengths and weaknesses.
- Evaluated suppliers to maintain cost controls and improve operations.
- Performed statistical analyses to gather data for operational and forecast team needs.
Education
Masters in Management Studies - Finance
Vidyalankar Institute of Technology
Mumbai 04.2001 -
Bachelor's in Accounting And Finance - Accounting And Finance
Vidyalankar School of Information And Technology
Mumbai, India 04.2001 -
Skills
- Loan Underwriting
Credit analysis
Credit Reports
Loan Underwriting
Certification
NISM Series XII: Securities Equity Research & Financial Market Foundation
Timeline
Branch Credit Manager
ICICI Bank
11.2021 - Current
Email Service Officer
IDFC FIRST BANK
02.2020 - 10.2021
Business Management Consultant - Finance Intern
Impact Guru Technology Private Ventures Ltd.
05.2019 - 07.2019
NISM Series XII: Securities Equity Research & Financial Market Foundation
01-2018
Equity Research & Financial Market Foundation Modelling
06-2017
Masters in Management Studies - Finance
Vidyalankar Institute of Technology
04.2001 -
Bachelor's in Accounting And Finance - Accounting And Finance
Vidyalankar School of Information And Technology
04.2001 -