Swadesh Behera
Bhubaneswar
Summary
To utilize my skill & potential to prove myself as a beneficially element for the organization working with and in process take higher corporate responsibilities and also achieve the organizational goal by giving my best effort.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Credit Manager
HDFC Bank Ltd, Retail Agri Loans
07.2022 - Current
- Underwriting of retail agri loans like KGC including large ticket
- Portfolio monitoring through visit to delinquent customer, repayment and churning tracking
- Vendor management new empanelment and audit and timely review
- With bill process for existing vendor
- Audit compliance on existing accounts,surprise post sanction visit And annual mutation check.
Branch Credit Manager
Fullerton India Credit Company Ltd, Unsecured Loans
11.2020 - 07.2022
- Credit Underwriting
- To maintain tat from login to disbursement
- Branch accounting relating to regular banking transactions with respect to disbursement of EMI collections
- Conducting personal discussion with the customer for loan appraisal
- Vendor management
- Cam preparation
- Disbursement docket compliances
Credit Analyst
ECL Finance Ltd
10.2019 - 08.2020
- Financial statement analysis
- Performed Credit and risk analysis on Secured And Unsecured Business Loan
- Maintained accurate records of all transactions related to credit activities.
- Interpreted complex financial data such as balance sheets, cash flow statements and income statements.
- Prepared periodic reports detailing overall portfolio performance and trends in delinquency rates.
Credit Officer
Teamspace financial services pvt ltd
08.2018 - 10.2019
- CV,CE, & Medical Equipment Department
- Performed Credit and risk analysis on CV, CE loan
- Met with credit applicants to acquire personal and financial information used to process credit report.
CPA Executive
S.K .SAMAL & CO, HDFC Bank Ltd
12.2016 - 01.2018
- Engaged into SBB,EEG & BBG) Products
- Review Loan Requests of loan Files
- Calculate Financial Ratio Analyse and prepare of cam
Education
LLB -
G.M Law College Under Utkal University
01.2020
Master - Business Administration
AIMT Delhi
01.2016
Graduation
Balanga College Balanga Puri
01.2013
Intermediate
Balanga College under Utkal University
01.2010
BSE - Matriculation
Panchayat High School Purusandha,
01.2008
Skills
- Knowledge of credit policies procedure and regulations
- Effective time and risk management
- Financial analysis and accounting skills
- Effective communication skills
- Handling multiple products at a same time
Certification
Computer Application (MS Word, MS Excel,Power Point) Los,Finnone Finacle,Mehin,Rupee Power, Core Banking softwares
Address
PRESENT ADDRESS , Plot No-GN-48, Ganesh Nagar, Gandamunda Khandagiri Bhubaneswar, Pin-751030
Languages
English
Proficient
C2
Hindi
Proficient
C2
Timeline
Credit Manager
HDFC Bank Ltd, Retail Agri Loans
07.2022 - Current
Branch Credit Manager
Fullerton India Credit Company Ltd, Unsecured Loans
11.2020 - 07.2022
Credit Analyst
ECL Finance Ltd
10.2019 - 08.2020
Credit Officer
Teamspace financial services pvt ltd
08.2018 - 10.2019
CPA Executive
S.K .SAMAL & CO, HDFC Bank Ltd
12.2016 - 01.2018
LLB -
G.M Law College Under Utkal University
Master - Business Administration
AIMT Delhi
Graduation
Balanga College Balanga Puri
Intermediate
Balanga College under Utkal University
BSE - Matriculation
Panchayat High School Purusandha,
Similar Profiles
SANTOSH SHETSANTOSH SHET
Senior Manager (Preferred) at HDFC Bank -Retail BankingSenior Manager (Preferred) at HDFC Bank -Retail Banking
Mrighnaina MahadikMrighnaina Mahadik
Deputy Manager at hdfc bank - retail bankingDeputy Manager at hdfc bank - retail banking
Priyanka SinghPriyanka Singh
Auditor at HDFC Home LoansAuditor at HDFC Home Loans
SHAKTIPRASAD MISHRASHAKTIPRASAD MISHRA
Project Associate-I at BRIC-Institute of Life SciencesProject Associate-I at BRIC-Institute of Life Sciences
RAJESH NEORARAJESH NEORA
Area Sales Manager at Parle Products Pvt. Ltd.Area Sales Manager at Parle Products Pvt. Ltd.