Rathod Dharamsing

Experience

1. Credit Manager

   HDFC Bank

   May 2016 — Present

   To appraise or underwrite loan within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority• To conduct personal discussion with customer / client with intent to understand and analyse associated risks in the business and financial standing of the client.• To understand customer business/enterprise in depth and draw out the assessment peculiarities of the business or trade engaged in.• To assess the income, ability, intention, business sustainability & credit behaviour and verify it through non-traditional income documents & reference checks as well as from traditional income documents and various kinds of credit bureau checks.• To verify legal and technical reports and identify the risks or critical points impacting the proposal.• To analyse the audited / certified financials as the case may be to assess the eligibility for the loan• To prepare Credit Approval Memo• To Manage the entire credit application process right from Analysis to approval.• To Co-ordinate with Legal, Valuer and FI agency for processing the file• Managing the overall TAT.• To ensure complete adherence to laid down policy and procedure / process• Liaise with sales team to proactively assess and resolve issues faced by client.• To prepare and maintain MIS covering all aspects process and proposal and circulate to authorities on timely basis.

Education

• NIAM

  PGDABM

  2014 — 2016

• COAB

  Bachelor's Degree

  2010 — 2014

Skills

• Microsoft Excel
• English
• Leadership
• Project Management
• Marketing Strategy
• Agribusiness
• Business Strategy
• Teamwork
• Business Planning
• Research
• Microsoft Office
• Market Research
• Marketing
• Product Development
• Public Speaking
• New Business Development
• Microsoft Word
• Team Management
• Powerpoint
• Management
• Strategic Planning
• Customer Service