Talk to sales Try for Free

Pranav Unnithan

Executive credit

333 followers

Kerala, India

Connect with Pranav Unnithan to Send Message

Connect with Pranav Unnithan to Send Message

Timeline
About me
Credit Manager at ICICI Bank
Education
- KVM College of engineering and technology
  2015 - 2017
  Master of Business Administration - MBA FINANCE AND MARKETING B
  Activities and Societies: *Rotary club member at respective college location. *Project done at "The Kerala minerals and metals Ltd" *Received certificate from Marian international institute of management for Best management team
- University of Kerala
  2011 - 2014
  Bachelor of Commerce - BCom Income Tax procedures and practices B
  Completed graduation in B.com with specialization in Income tax procedures and practices.Familiar with Tally operations,MS Word,MS Excel and Powerpoint presentations
Experience
- Mahindra Home Finance
  Nov 2018 - Aug 2019
  Executive credit
  -Underwriting of housing loans-Document verification-Telephonic discussion with clients-Field investigation-File logins-verification of past repayment records-Cash flow assessment-Credit evaluation-Score card preparation-Credit recommendation
- ESAF Bank
  Aug 2019 - Aug 2022
  -Ensure adherence to internal credit policies and RBI guidelines-Underwriting of housing loans,business loans, property loans,Auto loans,personal loans, micro loans e.t.c-CIBIL,High Mark & Equifax generation-Verification of past repayment records-Telephonic discussion with clients-Field investigation-File logins-Income assessment-Fixed obligations to income ratio analysis-Cash flow assessment-Credit evaluation-Creating credit scoring models for risk assessments-Sanctioning authority Show less
  - Senior Credit Officer-Grade II
    Apr 2021 - Aug 2022
  - Senior Credit Officer-Grade I
    Aug 2019 - Apr 2021
- IDFC FIRST Bank
  Aug 2022 - Apr 2023
  Credit Manager-Grade I
  -Underwriting and prepare credit proposals in concise and lucid manner-Strict compliance of TAT-Co-ordinate with sales,legal and technical team to ensure compliance with regulatory environment-Ensure adherence to internal credit policies and RBI guidelines-Underwriting of mortgage loans-Verification of past repayment records-Banking analysis-Manage credit quality and control delinquencies and fraud-Ensure financial regulatory and compliance risk in all internal & external audit-Credit decisions-Take prudent lending decisions based on sound judgements Show less
- ICICI Bank
  May 2023 - now
  Credit Manager-Grade II
  -Underwriting-Prudent lending decision with a view of 360 banking -Sanctioning Authority for Mortgage,Auto & Personal Loans-Strict compliance of TAT-Co-ordinate sales,technical,legal and Operations team for seamless & quick disbursement of proposals and customer delight-Branch visits for training and engaging branch banking teams
Licenses & Certifications
- Diploma in Logistics and supply chain management
  All India Council For Technical Education
  May 2017