Swapnil Jaiswal
Branch Credit Manager @HDB Financial Services Ltd || Credit Underwriter || Portfolio manager ll Risk Management || Credit Analysis || MBA(Finance)’23 || NISM V- A Certified ||
- Role
- Branch Credit Manager at HDB Financial Services Ltd.
- Location
- Kolkata, WB, IN
- LinkedIn followers
- 500 followers
About Swapnil Jaiswal
I have over 4+ years of experience in Banking & NBFC of which 2+ years is into…
Experience
Branch Credit Manager
Jun 2023 — Present · Kolkata, IN
Conducted loan appraisals and underwriting as per established guidelines thereby recommending approvals to the authority and performed credit management through risk analysis, financial statement evaluation, trend analysis, ratio analysis of balance sheet and profit and loss accounts, boosting branch business.Evaluated the business and financial risk profile of the company including financial statement and banking statement review to determine the degree of risk involved in extending credit or lending money to SME clientsMonitored high-risk customers by identifying financial discrepancies,comprehensive due diligence including KYC verification (PAN, GST, ITR), credit checks (commercial and personal CIBIL), and dedupe checks to mitigate the bank\'s risk exposure. Performed PDs with the applicant to understand business intricacies.Oversee collection processes and ensure timely follow up on overdue accounts and implementing strategies to reduce bad debts.Performed underwriting of secured & unsecured Business loans upto 40Lacs.
Education
Rammohan College
Bachelor of Commerce - BCom
Eastern Institute For Integrated Learning In Manangement, EIILM ,Kolkata
Master of Business Administration - MBA
2021 — 2023
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