sneha gupta new
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SNEHA GUPTAMobile: 8377927392Email: [email protected] managerial level assignments in Credit Analysis with a leading organization of repute in banking industry or Non-Banking Industry preferably in Delhi.PROFESSIONAL SNAPSHOT:
An astute professional with 2.6 years of experience as Credit analyst in Business Loan and Personal loans.
Proficient in handling File LOGIN, preparing CAM, RCU and FI as per guidelines; ensuring compliance for the same and also prepares Recommendations Pitches for Approval. Also done PD (Personal discussion) with applicant.
Appraising proposal & scrutinizing relevant documents before sanctioning / disbursing loans for SME segment, ensuring compliance with credit policies.
Possesses strong analytical and negotiation skills with Sales Team. Co-ordinating with Vendors on TAT (FI Agency & RCU Agency)
COMPETENCIES OVERVIEW: Product-Business loan
Managing Personal discussions with the customers & Credit checks of applications as per policy,
Downloading and analysing Credit Bureau History of the applicant, Carrying out the critical analysis of Balance sheet involving ratio analysis,
financial worthiness and land records etc. Preparing Credit Appraisal Memo (CAM), Preparation of monthly credit MIS, Review and update credit and loan files and Compute repayment
schedules, Check company details when it is corporate, what is authorized capital and
paid up capital From Ministry of Corporate Affairs website and also Google check from all relevant sites and Check Domain of the company from domain site,
Process the CAM according their Eligibility i.e. either Turnover basis or Verified income basis,
Product-Personal loan Validation of Credit report of the applicant, Check company details when it is corporate, what is authorized capital and
paid up capital From Ministry of Corporate Affairs website, Check Domain of the company from domain site, Validation of banking ( in which salary is credited and EMIs being debited
of the applicant’s loan), Take Details of the applicant’s background over the phone, Prepare FOIR (fixed obligations income ratio) in which insert applicant’s
salary and his fixed obligations which is reported in credit report, After that Prepare Credit Appraisal Memo (CAM) in the software naming
APS (application processing software),
ORGANISATIONAL SCAN: Company: Satin Creditcare Network ltd.., Delhi
Duration: Mar’16-to till date Role: Credit processing associate in Business LoansAccomplishments:
Had the opportunity to hold the business loan files (from login to recommending the case),
Co-ordinating with Vendors for maintain TAT (FI Agency & RCU Agency) Release the payment to Vendors i.e. FI, RCU and Also DSA on time. Gave best underwriting part to Credit Managers,
Company: TATA Capital Financial services Ltd., Delhi Duration: Feb’15 - Mar’16 Role: Credit processing associate in Business LoansAccomplishments:
Had the opportunity to hold the business loan files (from login to recommending the case),
Gave best underwriting part to Credit Managers, Company :ICICI Bank Ltd., Delhi
Duration: Oct’13 to Feb’15 asRole: Credit processing associate in personal loansAccomplishments:
Was responsible for handling personal loan files (from login to recommending the case),
Gave best underwriting part to Credit Manager, Also I was the part of disbursal activity,
ACADEMIC CREDENTIALS:Degree Year College/University/Board MarksPGDIBO pursuing IGNOU AwaitedM.Com. 2016 IGNOU 56%
B.Com(H) 2013 DU 65%XII 2010 CBSE 82%X 2008 CBSE 83%
IT’s SKILLS: Conversant with MS office and Internet Applications.SKILLS:
Effective communicator, Highly professional and ethical, Detail oriented and strategic, Strong interpersonal and consultative skills,
PERSONAL DOSSIER:Date of Birth : 16th May, 1993Residential Address : RZ-D -29/A Dabri Extn, New Delhi-110045Marital Status : UnmarriedDECLARATION-I declare that the information provided above is true to the best of my knowledge and belief, if given an opportunity in your esteemed organization, I assure to offer best of my services and skills.Place: New DelhiDate: 16June 2016 Sneha Gupta
