Mohit Kumar

About Mohit Kumar

Take a step and destination would follow.\" A qualified Chartered Accountant having…

Experience

1. Credit Manager

   HDFC Bank

   Sep 2023 — Present

   Credit Manager ( Grade-M3)•Wholesale SME.•Ensure monthly compliance with minimum cases(20+) and Minimum Visits (20) with minimum TATof 90%.•Undertake the credit assessment process withindefined turn-around-time (TAT).•Experience of analysis for facilities like CC underCGTMSE scheme, CC (property backed), OD underGST surrogate scheme, ODAP, DOD, MEOD, BG,LC, Term loan etc.•Analyzing the credit worthiness of clients throughdue diligences (RBI Caution advice check,Internal/External dedupe/posidex, CIBIL reports,CRIF report-Credit Information report, PerfiosAnalysis, Financial Grader for financialinformation like MIB, NWC, fund requirementthrough working capital gap method, turnovermethod and ratios like leverage, DSCR etc, Corpository/MCA check, GST portal check,Buyers/Suppliers check, Reference check,Google/website check etc.)•Manage a diverse credit portfolio.•Monitored DDR (Daily delinquency report) (out of order) accounts and ensure timelyrepayments from clients through respective RM ofclient.•Monitored Early warning signals (EWS), RedFlagged Account triggers (RFA), Accounts under review (AUR) and Exit marked clients to mitigaterisks.

Education

• Kurukshetra University

  Bachelor's degree, Business/Commerce, General

  2012 — 2015

• Arya Sen. Sec. School

  Business/Commerce, General

  2010 — 2012

• The Institute of Chartered Accountants of India

  Article Assistant at Garg B. Mohan & Co.(Partnership Firm)

  2014 — 2017

• Kurukshetra University

  Master's degree, Accounting and Finance

  2018 — 2020

• The Institute of Chartered Accountants of India

  Chartered Accountant

  2012 — 2019