UTKARSH DWIVEDI
New Delhi
Summary
Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company. 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 5 years. Credit Analyst with over 6 years of successful experience in Finance and Credit Analyst. Recognized consistently for performance excellence and contributions to success in Banking industry. Strengths in Preparing Financial Report (PD Report) and Knowledge in understanding Documents backed by training in Loan Department.
Overview
9
9
years of professional experience
Work History
Branch Credit Manager
HDB FINANCIAL Y
Moradabad
12.2023 - 05.2025
- Developed and implemented credit policies and procedures to ensure compliance with regulatory requirements.
- Coordinated with other departments to ensure proper due diligence was completed prior to granting credit approval.
- Analyzed risk factors associated with new loans or existing portfolios.
- Evaluated creditworthiness of applicants based on established criteria such as income level, debt ratio, collateral value.
- Resolved customer complaints in a timely manner while maintaining good relationships with clients.
- Covering PD for all Secured loan for 40 Lakhs and Unsecured loan for 18 Lakhs.
Credit Analyst
GKC MANAGEMENT SERVICES PVT LTD.
Delhi
05.2018 - 11.2023
- Conducting Financial review of customer lines of credit by assessing company (Financials and initiating credit application reviews.
- Assessed credit risk and analyzed financial statements.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
- Made decisions and recommendations about extending lines of credit.
- Gathered loan documentation for underwriting.
- Performed credit reviews on corporations to assess financial conditions.
- Conducting CPA, Enduse, PD for various Clients in Delhi/NCR.
Summer Intern
IMRB INTERNATIONAL
Delhi
05.2017 - 06.2017
- Conducted research to gather information about various survey topics.
- Reviewed collected data obtained from interviews for completeness and accuracy.
- Used specified forms to compile, record and code results or data from interviews and surveys.
- Explained survey objectives and procedures to interviewees.
- Convinced unwilling individuals by using logical, persuasive rebuttals.
- Explained questions in better detail for interviewees to allow truthful answers.
- Conducted interviews with participants to assess eligibility.
- Observed participants and recorded results.
Mentorship Project (Study of Changes in Banking)
DBS BANK
Delhi
11.2016 - 02.2017
- Monitored social media and online sources for industry trends.
- To Study about the changes which occurred in the banking sector in last 60 years.
- Which methods were introduces for past, Effective and secured payment method - how its was useful for the customer.
Video Production Intern
NFX DIGITAL
Delhi
01.2017 - 01.2017
- Digitized and logged video and audio footage.
- Reviewed scripts and completed script coverage.
- Edited highlight packages and segments for broadcasts.
- Researched stories and ideas for shows and segments.
- Acquired footage and video from outside sources for editing and incorporation for broadcasts.
- Assessed captured video to guarantee digital integrity.
Education
PGDM (IB) -
Jagannath International Management School
Delhi06.2018
B. Com -
Jagran College of Arts, Science and Commerce
Kanpur05.2016
Skills
- Ms Word
- Adobe Photoshop
- Illustrator
- Adobe Indesign
- Adobe Player
- Microsoft Excel
- Communication Skill
- Credit Decision
- Team Management
- Business Process Improvement
- Relationship Development
Websites
Hobbies and Interests
- Football
- Cricket
- Badminton
- Games
- Guitar
- Basketball
- Listening Music
- Knowing About Politics
Software Experience
- SPSS, Delhi, Delhi, India, 06/01/16, 06/30/18, Descriptive statistics, Cross tabulation, Frequencies, Descriptive, Explore, Descriptive Ratio Statistics, Bivariate statistics, Means, t-test, ANOVA, Correlation, Nonparametric tests, Bayesian, Linear regression
- PROWESS, Delhi, Delhi, India, 07/01/17, 12/31/17, Learned about the basic working of this software.
Timeline
Branch Credit Manager
HDB FINANCIAL Y
12.2023 - 05.2025
Credit Analyst
GKC MANAGEMENT SERVICES PVT LTD.
05.2018 - 11.2023
Summer Intern
IMRB INTERNATIONAL
05.2017 - 06.2017
Video Production Intern
NFX DIGITAL
01.2017 - 01.2017
Mentorship Project (Study of Changes in Banking)
DBS BANK
11.2016 - 02.2017
PGDM (IB) -
Jagannath International Management School
B. Com -
Jagran College of Arts, Science and Commerce
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