Mohit Lodhi
Credit Manager @Kotak Mahindra Prime Limited
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WORK HISTORY
Credit Manager @Kotak Mahindra Prime Limited
Indore, IN
Working as Branch Credit manager at M3 grade with Approving Authority to sanction Auto Loans and handling post sanctioned portfolio. Handling underwriting for New and Used car product of MP, WB and Orrisa location. Performed Credit appraiser of SENP, SEP, Salaried profile, Corporates applied for Auto loan which includes products like New & Used car, Refinance, Surrogate / BT, PL, VEL, Top-up on car loan. Evaluate the Credit worthiness, Scrutiny of income & financial documents of various Listed & Unlisted Companies, NBFC, Trust, Sole Proprietorship, Partnership firm, High Net worth Individuals applying for loan as per policy within the prescribed time. Performed Due Diligence of prospective and existing customer and assessing their profiles understanding their business models, credit risk, repayment capacity, income stability, statutory compliances, actual business income and expenses. Review of Financial statements, Ratio analysis, Financial Statement Analysis, Projected Financials, detail analysis of CIBIL, latest GST & IT returns, credit reports, Dedupe check, NCIF check, Banking transaction given by the applicants.5. Performed personal field investigation of applicants applied for higher value loans. Prepared big ticket cam for high value loans in that done checking of various ratio analysis, current loan obligations, previous track with our bank, and profitability of the company and cash accruals.7. Prepared proposals for Trade Advance retail inventory funding. Delinquency control of cases falling under 30, 60 & 90+ bucket and follow up with collection and sales team for non-starter cases on monthly basis. WORK EXPERIENCE. Analyzing and controlling the delinquency movements of infant, pot loss and Nonstarter cases, frauds.
EDUCATION
Barkatullah University, Bhopal
Master of Business Administration - MBA, Finance, General
M. P. Bhoj (Open) University Bhopal
Bachelor's degree, Mathematics
The Institute of Chartered Accountants of India
Chartered Accountant
ABOUT MOHIT LODHI
Chartered Accountant with 3 years of experience in finance, credit risk, compliance…
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