Simran Arora
Summary
Experienced Credit Underwriter with expertise in retail lending, credit risk assessment, financial statement analysis, and loan appraisal.
Overview
1
1
Certification
3
3
years of post-secondary education
4
4
years of professional experience
Work History
Credit Manager
ICICI
08.2022 - Current
- Spearheaded credit risk assessments for corporate and retail clients, utilizing financial data and market insights to inform lending decisions.
- Evaluated credit risks using analytical tools and financial data.
- Developed and structured compliant credit proposals for corporate and retail clients, adhering to internal policies.
- Conducted credit appraisals for retail lending products including Home loans, LAP, Auto loans, Personal loans, Business loans and Education loans.
- Cultivated and managed high-value client relationships, negotiated tailored credit terms to align with client objectives while protecting bank's interests.
- Collaborated with sales teams to align credit policies with business objectives.
- Performed ratio analysis including FOIR, LTV, Current Ratio, DTI, DSCR to determine credit risk
- Identified policy deviations, fraud indicators and underwriting exceptions while ensuring compliance with RBI guidelines and organisational risk framework.
- Applied deep understanding of industry best practices and legal requirements to prevent critical incidents.
Education
B.COM (HONS) -
Kirori Mal College
Delhi, India 06.2019 - 05.2022
12th -
O.S.D.A.V. Public School
Kaithal, India10th -
O.S.D.A.V. Public School
Kaithal, IndiaSkills
- Loan underwriting
- Credit risk assessment
- Risk analysis
- Credit product promotion
- Policy adherence and review
- Audit, Compliance & TAT management
- Core banking: Finacle, Finnone and ICRM
- Workflow coordination
- Client engagement strategies
Certification
- Financial Analysis: Introduction to Business Performance Analysis
- Corporate Financial Statement analysis
- Accounting Foundations
- Credit Management and Risk Analysis
Personal Information
Date of Birth: 04/27/01
LinkedIn:https://www.linkedin.com/in/simran-arora-139235221
Location: Delhi
Languages
Date of Birth: 04/27/01
Achievements
Date of Birth: 04/27/01
LinkedIn:https://www.linkedin.com/in/simran-arora-139235221
Location: Delhi
Timeline
Credit Manager
ICICI
08.2022 - Current
B.COM (HONS) -
Kirori Mal College
06.2019 - 05.2022
12th -
O.S.D.A.V. Public School
10th -
O.S.D.A.V. Public School