Credit Manager

MITALI SHETH

Ahmedabad, Gujarat, India
credit manager
$5000 / month
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About Candidate

Experienced Credit Underwriter boasting over 6+ years of robust experience specializing in the meticulous assessment of financial and property documentation to determine creditworthiness
 Possesses a solid grounding in finance complemented by extensive practical experience, enabling the formulation of sophisticated investment strategies and the execution of comprehensive risk management
 Highly proficient in adhering to regulatory standards set by the Reserve Bank of India, ensuring all loan processes are compliant and up to standard
 Expert in cultivating and maintaining strong relationships with clients and internal teams, providing strategic financial solutions tailored to specific needs
 Adept at monitoring and interpreting market trends in the Indian property sector to guide strategic decisions and enhance lending protocols.

Education

M
Master of Business Administration 2018
Symbiosis International University, India

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B
Bachelor of Business Administration 2015
Ahmedabad University, India

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Experiences

C
Credit Manager 2022-10-01
Kotak Mahindra Bank Limited, India

 Vital role in conducting comprehensive evaluations of property-based loan applications, assessing property documents and financial statements  Identifying and assessing credit risks within lending activities and formulating strategies to mitigate these risks effectively  Maintaining compliance with all RBI regulations throughout the loan processing cycle  Developing and sustaining strong relationships with both clients and internal stakeholders, delivering customized financial advice and solutions

C
Credit Operations Manager 2018-06-01 - 2022-09-01
IDFC FIRST Bank Limited, India

 Managed the entire loan disbursement cycle, ensuring compliance with bank policies and adherence to set timelines  Coordinated across loan processing, underwriting, and compliance departments to facilitate seamless loan disbursements  Ensured all disbursements adhered to applicable local, state, and federal banking regulations  Monitored liquidity levels to maintain adequate funds for disbursements  Directed quality control initiatives to minimize disbursement errors and prevent fraud  Led continuous improvements in disbursement processes and systems, enhancing efficiency and reducing operational costs

Skills

Property Valuation
90%
Financial Analysis
92%
Risk Management
94%
Credit Underwriting
96%

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