Ujjwal Gupta
Ghaziabad,
Summary
Detail-oriented Credit Manager with six years of financial industry expertise, specializing in the appraisal of lending activities, strictly in accordance with organizational policies, regulatory frameworks, and prevailing market conditions.
Overview
6
6
years of professional experience
Work History
Credit Manager
Kotak Mahindra Bank
Gurgaon
02.2024 - Current
- Evaluated working capital product proposals, including overdrafts and bank guarantees, to ensure alignment with credit policies.
- Reviewed financial statements to assess borrowers' liquidity and profitability, informing risk assessment and credit decisions.
- Monitored borrower credit history using CIBIL reports and regulatory compliance checks.
- Prepared appraisal notes and analyses, enabling informed credit sanctioning decisions and enhancing approval processes.
Relationship Manager
HDFC Bank
Ghaziabad
09.2023 - 02.2024
- Analyzed business models and working capital needs of prospective borrowers to deliver tailored credit solutions that meet client requirements.
- Collaborated with Legal, Technical, and Risk Containment Units to streamline credit processing, enhancing overall risk management.
- Facilitated timely sanctioning of proposals through cross-departmental teamwork, ensuring alignment and expediting decision-making.
Credit Manager
Kotak Mahindra Bank
Noida
11.2021 - 09.2023
- Evaluated proposals for working capital products, including overdrafts and bank guarantees, to determine creditworthiness.
- Conducted thorough reviews of financial statements to assess borrowers' liquidity and solvency.
- Monitored credit histories via CIBIL reports and CRILC checks to assess risk exposure.
- Prepared appraisal notes and final recommendations to facilitate informed credit decisions.
Relationship Manager
ICICI Bank
Delhi
03.2020 - 11.2021
- Recommended financial products tailored to clients' needs based on thorough analysis.
- Evaluated borrower business models and operational cycles, identifying specific working capital requirements.
- Coordinated with branch teams to pinpoint and engage potential borrowers for working capital solutions.
Education
Chartered Accountant -
ICAI
11.2019
B. Com -
Delhi University
Delhi03-2017
12th Standard -
Suditi Global Academy
Mainpuri03-2014
10th Standard -
Dehradun Public School
Ghaziabad03-2012
Skills
- Credit assessment
- Financial analysis
- Credit monitoring
- Appraisal preparation
- Risk evaluation
Accomplishments
Be in the top 6 RM rankings out of 352 in Delhi-NCR for 6 months in 2021 while working at ICICI Bank.
Timeline
Credit Manager
Kotak Mahindra Bank
02.2024 - Current
Relationship Manager
HDFC Bank
09.2023 - 02.2024
Credit Manager
Kotak Mahindra Bank
11.2021 - 09.2023
Relationship Manager
ICICI Bank
03.2020 - 11.2021
Chartered Accountant -
ICAI
B. Com -
Delhi University
12th Standard -
Suditi Global Academy
10th Standard -
Dehradun Public School