AMIT ANAND

Experience

• 

  ICICI Bank

  Oct 2019 - Oct 2022

  Credit Manager

  3 years above experience in managing a team of 10+ peoples, vast knowledge of the secured and unsecure business of banking.MBA, MCOM, PGDB with a strong background with all aspects of accounting, taxation, costing and strategic financial management.In-dept knowledge of Loan Processing Life Cycle starting from initial loan enquires, credibility analysis, documentation to disbursement or completion of loan.Performed financial assessments and determined eligibility for approval by gathering customer's financial documents such as bank statements and tax returnsSuccessful at managing a team with multiple Assignments while meeting tight deadlines. Areas of business insight include Underwriting, Portfolio Management, Financial analysis, Vendor Management, Customer service & Team Management, Business Development, Management Reporting, Inter-Co. Transactions, Control on WIP/BIA.Physical discussion with customer and understanding business modelCredit appraisal of unsecured and secure business loan applications up to Rs 10cr of Salaried, Self-Employed Professionals and Self-Employed Non-Professionals based at ROMGSanctioning cases which are under my sanctioning authority of Rs 50 LAKH and recommending other Cases to RCM, ZCM, ZCH, CH of all retail productsUNDERWRITING SKILLS HL/ LAP, PL, AL, CC, BLRECRUITMENT AND TRAINING OF CPA AND MANAGERCollection analysis, Profile analysis, Area analysis, Company categorisation analysis, Credit market research, Credit Controls, Appraisals, Due diligence/ Verification etcFraud risk containment, risk analysis, mitigation & management, (Verifying fraudulent company)Conducting 360- Bundling of all products on targeted customer and marketPortfolio management & monitoringCollection analysis, Profile analysis, Area analysis, Company categorisation analysis etcEnsured good relation with external customer such as Dealers, DSA,and Direct Sales and internal customer Show less

• 

  Aditya Birla Finance Limited

  Oct 2022 - Mar 2023

  Credit Manager

  Credit Underwriter for Prime segment LAP / Mortgage Business at Delhi NCR Region

• 

  State Bank of India

  Mar 2023 - now

  Loan Officer