Tiwari Ritu
Credit Associate
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About
To associate myself with an organization to which I can give my best and which offers me an opportunity to continually grow and learn every day.
Experience
Credit Associate - Kotak Mahindra Bank Ltd
(2021-09 - 2022-05)
Offrole - Ivangel Sales and Services Pvt Ltd in Working Capital Department
- Checking login files as per bank guidelines
- Preparation of Ratio sheet, and case Underwriting of loan proposal
- Co-ordination with sales, ops and Legal-Technical Team
- Well knowledge of banking Finacle system
- Financial plotting as per ticket size & last 1 Year GST3B or last Six month banking plotting in FAT sheet
- Check CIBIL score and Last three month loans enquiry also highlight DPD & Overdue
- security cheque database send to ops
- Preparation of Disbursement File & Data Entry in LOS system
- knowledge of legal -Technical, FI
- sanction letter issue
- Disbursement data Entry in LOS system
Credit Analyst - Yes Bank Ltd
(2022-05 - 2023-09)
Offrole - Team Space Ltd in Business Loan Department
- Preparation of credit approval memo
- Checking login files as per checklist
- Preparation of Ratio sheet, Underwriting of loan proposal
- Financial plotting as per ticket size & last 1 Year GST3B or last Six month banking plotting
- Check CIBIL score and Last three month loans Inquiry also highlight DPD & Overdue
- Plotting all Running loans in CAM
- Generate Repayment schedule & SOA existing loans
- Underwriting the case in Finnone system
- Handling RCU & OPS queries
- Co-ordination with sales
- Disbursement data entry in system Like credit, condition and deviations as per policy
- All documents upload in system as per disbursement guidelines
- To maintain daily MIS
Credit Executive - Axis Bank Ltd
(2023-09 - 2025-01-30)
Offrole – TeamLease Ltd in Working Capital Department
- Login files checking
- Knowledge of Overdraft, Cash Credit, CGTMSE CC, Secured & Unsecured Term Loan Machinery term loan
- Preparation of credit approval memo
- Preparation of Ratio sheet, Underwriting of loan proposal
- Co-ordination with sales, ops and Legal-Technical Team
- Check CIBIL score and Last three month loans Inquiry also highlight DPD & Overdue
- Logins files, & Disbursement files, login fee, Vendor's MIS handling
- Knowledge of Legal and Technical and property document
- Well knowledge of banking Finacle system
- Knowledge of Login Fee as per bank policy & loan product
- To maintain daily MIS
- Disbursement data Entry as per credit proposal like facilities, term & conditions, property details loan amount & Product
- Preparation of DOC card & Verify post sanction document as per Legal or Vetting report
- Check all Disbursement documents check as per our policy or checklist format and then handover file to ops team
Deputy Manager - Kotak Mahindra Bank Ltd
(2025-02-03 - 2025-07-15)
Onroll in Working Capital Department
- checking Disbursement logins files
- cases disburse after resolve all discrepancy
- Limit setup process as per loan exposal in GLEMS and Finacle
- Preparation of MID office document as per facility and constitution then send DIGI sign for customer
- Co-ordination with sales, and credit Team
- Audit data handling
- Qc error handling
- Deferral data tracking
- Login PF and other charges data handling
- DRS, PSL, PDD, insertion activity handling
- knowledge of legal -Technical, FI
- all Disbursement documents verify as per RCAD guideline
Assistant Manager - Saraswat Co-operative Bank Ltd
(2025-07-17 - 2025-12-31)
Onroll in Working Capital Department
- Checking login files as per our bank policy and checklist and then after share discrepency to sales Team
- Cam preparation after acceptence of files
- Data punching as per our bank norms and facility based
- Handling data punching along with credit assessment of loan cases
- Customer profile and banking behaviour analysis
- CAM (Credit Appraisal Memo) preparation
- Financial statement analysis (Balance Sheet, P&L, Cash Flow analysis)
- Bank statement assessment and transaction analysis
- GST, ITR verification
- CIBIL/credit bureau report checking
- Ratio analysis (DSCR, Current Ratio, ATNW.)
- Income calculation and eligibility assessment
- Collateral/security document checking
- Coordination with sales, operations
Education
MBA - Gujarat Technology University (2022 - 2022)
B.COM - Gujarat University (2021 - 2021)
HSC - Gujarat Higher Secondary Education Board (2018 - 2018)
SSC - Gujarat Secondary Education Board (2016 - 2016)
