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| Year of birth |  | 1981 |
Current Location/Address |
| City or Town | | Kolkata |
| State | | West Bengal |
| Country | | INDIA |
Permanent/Home Location/Address |
| State | | MA |
| Country | | USA |
Languages |
| Primary Language | | Fluency |
| English | | Read, write and speak fluently |
Nationalities |
| Nationality By Birth | | INDIA |
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Experience Classification |
| Job Function | | Years Experience |
| Analyst | | 3 |
| Underwriting | | 3 |
Qualifications |
| Highest Qualifications | | Masters |
| Qualification | Subject | Establishment/Country | Year |
| Masters or Higher | Finance | ITM Business School, India | 2006 |
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Computer Skills and Software Used |
| Microsoft Office |
Work Locations |
| Countries NOT Willing To Work In! |
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Availability |
| Start Immediately? | | Available Now |
Employment History |
| Total Years of Work Experience: | | 4 |
| Commenced Full Time Work: | | 2006 |
| Job Title: | | Associate Manager - Credit |
| Duration | | From : 2006 To: 2008 |
Summary |
During my tenure at the last organization i served, as a credit analyst and loan underwriter, I was able to contribute to the growth and success of the finance department. I was instrumental in increase in productivity and cost savings to the company by initiating ceiling on loan exposure towards nonstandard assets, accounts with irregular repayment, and troubled sectors of the industry. I was recognized for maximum contribution to total business achieved, 2007-08.
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Work Experience |
Jun’06 – Dec’08 SREI Infrastructure Finance Limited, Kolkata, India
Associate Manager - Loan Underwriting and Credit Analysis, Hyderabad Regional Office
Responsible for reviewing, analyzing, approving and underwriting of loan proposals within company guidelines. Dependent on complexity of underwriting, functions included but not limited to reviewing financial statements and credit reports; evaluating applicable ratios (i.e. debt ratios, loan to value, debtors turnover etc.); analyzing experience in the line of business; studying socio-economic impact; examining transactions to ensure accuracy and completeness; preparing formal reports for review; ensuring that documents are consistent and uphold to company guidelines; implementing due diligence exercise; performing compliance reviews; assisting with re-negotiations of loans based on lending guidelines; contacting customers and partners to gather information to make appropriate decisions; suggesting value addition by way of collateral securities; explain rationale behind credit decision; review of loan portfolios; creation of factual reports to assist decision process.
Achievements-
Total assets financed worth INR 15 Billion, 2006-08. Total assets under management of the firm worth INR 100 Billion, 2006-08.
Recognized for maximum contribution to total business achieved, 2007-08.
Created minimum risk portfolio of Hyderabad Regional Office through asset-coverage assessment as a part of the appraisal process.
Recognized for INR 0.2 Million worth cost saving to the company, 2007-08.
Portfolio review conducted helped in effective allocation of funds towards the assets under management.
Instrumental in initiation of ceiling on exposure towards accounts with irregular repayment.
Introduced new format of ‘Credit Appraisal Memorandum’ which was appreciated in the Central Credit Committee Meeting.
Shouldered added responsibility with ease for one month period when ‘Loan Underwriters’ comprised of only two member team for PAN India operations.
Established and maintained effective relationship with clients of Hyderabad Regional Office.
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