Divya Nair
Credit Manager
- Role
- Credit Manager at Axis Bank
- Location
- Pune, IN
- LinkedIn followers
- 500 followers
About Divya Nair
An MBA having experience of approximately 8 years in Credit & Risk, & Credit Underwriting. My experience has got enriched by working with multiple secured and unsecured businesses in the banks. Currently employed at Axis Bank as a Credit Manager in the Working Capital Department.
Experience
Credit Manager
Jan 2023 — Present · IN
Working with Small Business Banking Department as Credit Manager with following responsibilities: • Analysis and Review of Fresh/Renewal/Enhancement Loan applications both Secured and Unsecured. • Analysis of Financial information of prospective clients, Interpretation of Financial Ratios, Trends. • Analysis of Banking Conduct, GST Returns, IT Returns, conducting CIBIL, Dedupe check of prospective clients. • Personal Discussion with prospective clients for understanding business model, working capital funding requirements, resolving queries arising from financial analysis, etc. • Checking policy compliance and commenting on eligibility of the loan proposal. • Preparation of CAM, incorporating sanction conditions and submitting the proposal to sanctioning authority for approval. Credit appraisal and approval done in Loan Origination System. • Managing team of CPAs who assist in maintaining files, documents, preparing ratio sheets, punching data in the loan origination system, coordinating with vendors, etc. Products : OD, CC, DOD, Term Loan, Merchant Loan, Channel Finance, CGTMSE, BG, LC, LCBN, etc
Education
Balaji Institute of Management and Human Resource Development
Master of Business Administration - MBA
2014 — 2016
Savitribai Phule Pune University
Bachelor of Commerce - BCom
2011 — 2014
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