Yash Raina
Credit Manager | Credit Underwriting, Communication, People Management
- Role
- Credit Manager at HDFC Bank
- Location
- Bhopal, MP, IN
- LinkedIn followers
- 500 followers
About Yash Raina
Highly skilled and experienced Credit Manager with over 4.5 years in the banking sector…
Experience
Credit Manager
Jun 2023 — Present · Itarsi, IN
Drafted credit appraisal memos for loans of up to 20 crore.• Sanctioned loans for amounts of up to 30 lakh.Evaluate balance sheets, profit and loss statements, income tax returns, account statements, and KYC documents for loan approval.• Maintains compliance with regulatory standards.• Proficient in LS software, IDEASME, FLEXCUBE, Fin1, Skymet, and others.Provided funding through various government schemes for warehouses and cold storage.•Funding under the Mudra Yojana Scheme, in which CGFMU credit guarantee is available by CG.• Managed business loans secured and unsecured, along with KGC and HL.• Facilitated financing through HDFC, offering.Designed a special scheme program to provide funding to small and medium-sized businesses.• Secured additional funding for existing customers to meet their daily business needs.•Managed a portfolio of corporate clients, conducting regular credit reviews.• Managed credit assessments for individual and business loan applications.• Evaluated creditworthiness using financial analysis and risk assessment tools.• Recommended adjustments to credit limits based on client performance reviews.Assessed customer creditworthiness based on financial reports, payment historiesand other sources of information.
Education
Institute of Professional Education and Research (IPER), Bhopal
Bachelor of Commerce - BCom, Foreign Trade
2015 — 2018
Institute of Professional Education and Research (IPER), Bhopal
Master of Business Administration - MBA, Finance and Marketing
2018 — 2020
Indian Institute of Management, Indore
Integrated Program In Business Analytics (IPBA), Business Analyst
2022 — 2023
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