Darshan Shah

Experience

1. Credit Analyst

   Axis Finance Limited

   Mar 2024 — Present · Mumbai, IN

   Underwriting of proposals of MMR,MP and Goa regionAnalyzing Credit Bureau Reports, Financials and Bank Statement. Preparing Loan Eligibility under various programsConducting Personal discussion with client to understand business model and process, Financials aspects and their future visibility, Current debt and their usage, propose fund requirements and end use.Appraising proposal to higher authority for the approval with detailed proposal information and mitigates for deviations taken if anyPost Approval of proposal, preparing Sanction Letter and other disbursement documents like Facility Agreement, Deed of hypothecation, Guarantee Deeds, Mortgage deeds etc.Assisting Business team in disbursement of proposal.Assisting in release of post execution opinion from external legal vendor.Reviewing of portfolio on periodic basis and coordinating with customer in case of non payment of EMI.Annual review of existing Portfolio - Meeting existing clients, reviewing updated financials, their repayment record, initiating internal rating.Meeting DSA Channel Periodically to provide update regarding policy changes and business expansion.

Education

• The Institute of Chartered Accountants of India

  Chartered Accountant, Accounting,Financial Reporting,Direct and Indirect Taxation,Audit,Financial Management

  2019