Keyur Patel

**/* ***** ********* ***** Road Mahavirnagar Himatnagar

Gujarat 383001

Mobile No. +91-972*******

adcfqv@r.postjobfree.com

Career Objective

I am seeking employment with a company where I can grow professionally and personally.

I want a highly rewarding career where I can use my skills and knowledge for organizational and personal growth.

I am seeking a company where I can use my experience and education to help the company meet and surpass its goals.

I want to succeed in an environment of growth and excellence to meet personal and organizational goals.

I am seeking a competitive and challenging environment where I can serve your organization and establish a career for myself.

Education

SR.NO

COURSE

BOARD/UNIVERSITY

YOP

DIVISION/%

1

B. COM.

NORTH GUJARAT UNI.-PATAN

Mar-11

PASS

2

H.S.C.

G.H.S.E.B

Mar-08

56%

3

S.S.C

G.S.E.B

Mar-06

60%

Skills Highlights

Financial Analysis

Business Analytics

Financial Reporting

Problems resolution

Accounting systems assessment

Using Analysis on Financial Scenarios

Summary

5+ years of credit experience. Bachelor's degree in business and experience with credit scoring systems preferred. Have a thorough knowledge of credit-related laws. Be willing to periodically travel to customer sites. Have considerable experience with customer negotiations.

Experience

Sundaram Finance Ltd: - Himatnagar (10 April 2010 to 15 Aug 2011)

Operation Executive

Capable of handling back-office operations and setting process with key focus on market research. Resourceful at maintaining relationship with clients to achieve quality product and service norms by resolving their service related critical issues. Sound knowledge of handling the back-end operations and other general administration activities of the organization. Proficient in interacting with different departments for executing the sales of all equipment and enhancing the overall efficiency of the organization

Indusinnd Marketing and Financial Services Ltd.: - Himatnagar (23 Aug 2011 to 30 Nov 2013) :- Operation Executive

The Finance Officer reports to the Senior Administer Officer and is responsible for preparing financial statements, maintaining cash controls, preparing the payroll and personnel administration, purchasing, maintaining accounts payable and managing office operations. The Finance Officer must work within the Financial Management Act, Municipal policies and procedures and in compliance with all Territorial Acts and Legislation.

Aspire Home Finance Corporation Ltd.: - Himatnagar (10 March 2016 to July 2017)

Sr. Credit Officer

Credit oversees the entire lending process, including the initial application and review, underwriting and the disbursal or denial of the request. Many factors come into play in deciding whether a credit request is approved -- income, employment history, debt-to-income ratio and information contained in an applicant’s personal credit history report are a few. Additionally, may be tasked with monitoring repayment progress and leading collections initiatives for delinquent accounts.

Tata Capital Housing Finance Ltd:- Odhav Ahmedabad (Aug 2017 to Aug 2019)

Credit Manager

Credit Appraisal of Loan application’s within defined guidelines and accordingly take decision or recommend for approval to higher authorities. Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation Credit Analysis along with customer & Property visit for proposal of Loan against Property Home loan along with CAM preparation and recommendation. Understanding of property related knowledge (like legal title and market value of the property). Decision

making within defined TATs.

DATE:

PLACE: HIMATNAGAR (Mr. KEYUR PATEL)

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