SUGNEY PATEL
SME Credit analyst
VALSAD,INDIA
Summary
Dedicated Credit Analyst with a background in reviewing credit bureau reports and communicating with commercial clients. Knowledgeable in credit approvals and limits. Offering a successful career history comprising more than 6 years.
Overview
7
7
years of professional experience
Work History
Deputy Manager
State Bank of India
Valsad, India
08.2015 - Current
- Pursued every opportunity to learn about SME businesses at all levels for lending purpose.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Obtained and interpreted financial statements for credit limit reviews.
- Monitored accounts for signs of fraud and non-payment issues.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Improved understanding of financial statements, which helped in assessing risk.
- Made decisions and recommendations about extending lines of credit.
- Developed and maintained courteous and effective working relationships.
- Monitored company inventory to keep stock levels and databases updated.
Assistant Production Incharge
Ascent Meditech Limited
Silvassa, India
02.2015 - 06.2015
- Assessed manufacturing processes and recommended improvements to increase productivity.
- Directed manufacturing process and procedures to achieve goal of first run capability.
- Developed and implemented cost controls and other expense reduction measures.
- Implemented quality improvement changes to minimize product defect rates.
- Managed projects from procurement to commission.
Education
Bachelor of Technology - Mechanical Engineering
National Institute of Technology
Tiruchirapalli05.2014
Skills
- Decision-Making Capabilities
- Due Diligence
- Financial statements expertise
- Risk Assessment
- Government Regulations
- Financial Analysis
- Loan Documentation
- Lending regulations
- Credit risk
- Credit decisions
- MS Office
- Experienced with Bankslink ,LOS (Loan Origination Software), LLMS(Loan Lifecycle Management System), CUE(Credit Underwriting Engine) and CRM(Customer Relationship Management) software
Meditation
I am a spiritual enthusiast.
Timeline
Deputy Manager
State Bank of India
08.2015 - Current
Assistant Production Incharge
Ascent Meditech Limited
02.2015 - 06.2015
Bachelor of Technology - Mechanical Engineering
National Institute of Technology
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