Anchal Modwel

Experience

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  Canara Bank

  Jul 2014 - Apr 2018

  Assistant Manager

  ● Prepared credit appraisals by analyzing financial statements to ascertain fund-based and non-fund-based requirements for corporate clients.● Understood the business and analyzed the company’s profile for the SWOT analysis.● Calculated and analyzed performance indicators like activity, liquidity, profitability, efficiency, and solvency ratios from audited and forecasted financial statements.● Regularly monitored credit limits above 1 crore to mitigate default and credit risk in compliance with the bank’s credit policy.● Performed internal risk rating to determine the return on investment of corporate and retail loans.● Prepared credit appraisal for retail loans - housing, personal, education, vehicle, and mortgage by analyzing the loan requirement, repayment capacity, and collateral available for the client in conformity with the established procedure and norms. ● Monitored vendors like field investigating agencies, valuation & legal agencies for mortgage loans. Show less

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  Canara Bank

  Jun 2018 - Jan 2022

  Manager

  ● Sanctioned and recommended credit appraisals by analyzing financial statements to ascertain fund-based and non-fund-based requirements for corporate clients.● Understood the business and analyzed company profiles focusing on company overview, business description, key management, key development, financial summary, etc. for SWOT analysis.● Analyzed financial models to forecast trends and financial projections for clients across different sectors.● Reviewed internal risk rating and adopted the appropriate risk mitigation measures in compliance with credit policy.● Ensured compliance with credit policy, internal risk management policies, and procedures to protect company assets with a strategic risk management approach.● Sanctioned and recommended retail loans - housing, personal, education, vehicle, and mortgage.● Planned, implemented, and managed the operating and capital budget to maximize profitability.● Managed and administered internal control of the allotted branch, also appraising the team’s performance and developing business improvement plans.● Create a strong sales and service culture, fostering an environment in which branch employees work together to achieve all business goals. Show less

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  ICICI Bank

  Nov 2022 - now

  Senior Credit Manager