Twinkle Aggarwal
Credit Manager
New Delhi
Summary
Ex Citi Banker, Loan Sanctioning, limit structuring, Portfolio Management, Credit Rating, Credit Appraisal, Risk Management, Financial Analysis, Due diligence, Quality Portfolio Management. Highly trained Credit Analyst offering excellent skills in managing issues, updating files, and reviewing financial statements.
Overview
2
2
Languages
Work History
Credit Analyst
Citibank N.A
05.2020
- Process client proposals as per TAT to ensure better time to market
- Underwriting and making credit assessment notes covering detailed analysis of business, industry & financials
- Recommending approval to higher authorities for approval within defined TAT
- Analysis of balance sheet/ other financial statements & identification of risk factors
- Analysis of third party reports (legal, valuation, business & residence verification)
- Coordinating with verification agencies
- Compliance of terms & conditions by liaising with RMs
- Raising deviations in system
- Initiating FRM & hunter verification (if required)
- Responsible for file dispatch
- Resolving audit queries in coordination with RM
- Achievements - Got recognition on Citi Gratitude platform for remarkable performance.
Credit Processing Analyst
Yes Bank Ltd
11.2017
- File checking and ensuring completion of documents as per checklist
- Preparing and analyzing financial spread and banking along with checking interest serving
- CAM preparation as per policy within defined TAT
- Calculating eligibility as per banking and financials
- Analyzing consumer and commercial cibil reports
- Do hygiene checks as per policy
- Doing Tele PD with client
- Initiating RCU and resolving RCU related queries
- Assisting in raising risk queries and resolving them in coordination with the client & RM
- Achievements - Awarded the best Credit Processing Analyst PAN India for exemplary performance in MIB risk.
Credit Manager
RBL Bank Ltd
- Current
- Doing personal discussion with client along with visit to understand business model
- Underwriting and making detailed credit appraisal note/ credit memos
- Detailed analysis of financials, banking, GST returns and bureau reports
- Ensuring timely and independent decisioning of proposals
- Coordinating with stakeholders to support business
- Managing client service requests on a daily basis
- Analysis of legal and technical of property offered as collateral
- Determining eligibility of the borrowers based on credit findings, income documents, cibil reports, etc
- Excellent knowledge of KYC, deal structuring and preparing credit appraisals
- Training credit CPA for CAM preparation
- Highlighting early warning signs of the portfolio to the RM's
- Achievements - Got recognition for outstanding performance and making nil delinquency portfolio.
Education
Matriculation -
Intermediate - undefined
B.Sc (Hons) Mathematics - undefined
Certification course in Credit Management -
Skills
Credit Reporting
Credit analysis
Credit risk
Microsoft Excel proficiency
Financial statement analysis
Loan Documentation
Financial statement review
Activities
Worked as organizer in "ARITY"- Mathematics Fest of Rajdhani College (Delhi University).
Extra Qualifications
Have knowledge of 'Financial Accounting', Mathematica, MS-Excel.
Personal Information
- Father's Name: Mr. Surender Kumar
- Date of Birth: 12/04/96
- Gender: Female
- Nationality: Indian
- Marital Status: Unmarried
Personalattributesandcompetencies
- Effective Communication Skill
- Honest and Reliable
- Flexible
- Time Management
- Quick Learning
- Self Confidence
- Positive Approach
- Adaptable to Changes
- Eager to Learn and Explore New Things
Disclaimer
I hereby declare that the above mentioned details are true and correct to the best of my knowledge.
Timeline
Credit Analyst
Citibank N.A
05.2020
Credit Processing Analyst
Yes Bank Ltd
11.2017
Credit Manager
RBL Bank Ltd
- Current