Nitika Sharma
Highly Focused And Goal-oriented Credit Manager With 5 Years Of Experience In Reviewing Credit Bureau Reports, Working Capital Financing And Communicating With Commercial As Well As Retail Clients, Exploring A Career Opportunity To Focus On The Organizational And Personal Growth By Effective Utilization Of Knowledge, Skills, Confidence And Enthusiasm. Bound To Provide Excellent Service Applying My Expertise In Applied Principles And To Utilize My Experience In An Impactful, Growth Oriented Financial Organization.
Ghaziabad,Uttar Pradesh
Summary
Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering number of years of financial industry expertise.Dedicated Credit Manager with a strong background in reviewing credit bureau reports, working capital financing and communicating with commercial as well as retail clients. Proven expertise in assessing and making crucial credit decisions, analysing financial reports, improving processes and reducing overdue accounts.
Overview
5
5
years of professional experience
10
10
years of post-secondary education
1
1
Language
Work History
Credit Manager
Axis Bank
Noida, Uttar Pradesh
08.2018 - Current
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Managing the entire credit application process, right from login to disbursement
- Maintaining quality of portfolio as per the standards
- Managing post disbursement documents and partly disbursed cases
- Coordinating with legal, technical, FI and Risk Containment Unit agency for file/docket processing
- Responsible for Training CPA / DMA / DMEs
- Responsible for TAT of delivering sanction letter and disbursement
- To ensure all the loan proposals are processed within defined TAT
- Adhering to the policy/process laid out by the central team
- Reviewing credit proposals (CAMs/ Interim CAMS) submitted by business on assigned portfolio and assess the credit & risk involved comprehensively
- Financial Statement Analysis for ratio, cash flow and fund flow
- Maintaining the defined Credit and End to End TATs to timely provide service to internal as well as external customers
- Maintaining the highest standards in the best interest of all parties.
Assistant Officer
Team Universal infratech pvt. ltd
Noida, Uttar Pradesh
08.2016 - 08.2018
- Assessing the eligibility of firm to handle commercial, housing, roads and railways contracts.
- Actively participation in project management tasks to meet the ETAs.
- Maintaining the Delivery schedules in the diversified projects.
- Knowledge transfer among the team-members and new colleagues.
- To adhere the processes with updated policies and guidelines.
Education
Mater of Commerce - Commerce
Swami Vivekanand Subharti University
Meerut 06.2017 - 08.2019
Chartered Accountant - Accounting And Finance
Institute of Chartered Accountants of India
New Delhi 05.2012 - 12.2016
Bachelor of Commerce - Accounting And Finance
University of Delhi
New Delhi 07.2009 - 06.2012
Cerifitied Credit Manager - Credit Management
National Institute of Bank Mangement
Pune 02.2019 - 06.2019
Skills
Finnone CAS - Advanced
Accomplishments
- Certification of Orientation Program conducted and issued by ICAI, New Delhi.
- Completed Computer Training Course by ICAI, New Delhi.
- Awarded for the best performance and portfolio with a sponsored trip to germany.
- Received 'Employee of the Month' tittle.
- Team Lead to mentor and conduct trainings for new employees and external partners.
Timeline
Cerifitied Credit Manager - Credit Management
National Institute of Bank Mangement
02.2019 - 06.2019
Credit Manager
Axis Bank
08.2018 - Current
Mater of Commerce - Commerce
Swami Vivekanand Subharti University
06.2017 - 08.2019
Assistant Officer
Team Universal infratech pvt. ltd
08.2016 - 08.2018
Chartered Accountant - Accounting And Finance
Institute of Chartered Accountants of India
05.2012 - 12.2016
Bachelor of Commerce - Accounting And Finance
University of Delhi
07.2009 - 06.2012
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