Partha Sarathi Hazarika
Manager- Aspiring Business Group Credit @Bandhan Bank
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WORK HISTORY
Manager- Aspiring Business Group Credit @Bandhan Bank
Assam, IN
Assess the overall credit risk of applicants based on financial health, industry trends, market conditions, and other relevant factors.• Make recommendations regarding credit limits, terms, and conditions for loan approvals, ensuring alignment with company policies and regulatory requirements.• Conduct Quantitative & Qualitative Analysis including Personal Discussions (PD) to assess creditworthiness.• Prepare the Credit Approval Memo and manage the overall TAT and approval rate.• Perform Financial Analysis: assess balance sheets, profitability, and net worth.• Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance.• Collaborate with Sales and Operations Teams to support disbursements and business targets.• Ensure all loan applications and credit proposals are accurately documented and comply with internal policies and regulatory guidelines.
EDUCATION
Centre for Management Studies Dibrugarh University
Master of Business Administration - MBA, Finance and Marketing
Kaziranga University
Bachelor of Technology (B.Tech.), Electrical Engineering
Nowgong College
12th, Science
Nagaon Govt. Boys' Higher Secondary School
10th Grade
ABOUT PARTHA SARATHI HAZARIKA
Analytical Credit Underwriter with expertise in processing loan applications efficiently and accurately. Specializes in risk assessment, financial analysis, and ensuring regulatory compliance. Demonstrates strong critical thinking and decision-making skills to facilitate sound credit decisions. Maintains current knowledge of banking policies and economic trends affecting credit lending.
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