Silky Kapoor

Mba-Finance With 4 Years 1 Month Experience As A Credit Analyst (Sme & Retail Mortgages) At Citibank Na
Delhi, Delhi, India
Indian Politics, Credit Analysis, Credit Risk
About
My profile snapshot is as follows
o Processing, legal documentation and disbursement of various loan proposals
o Handling of SENP (Self-employed Non Professional) Mortgage proposals
o Post disbursal compliance with established norms and policies
o Audit compliance
o Asset Servicing

• Financial Statement Analysis – Strong Analytical Skills
o Company Analysis over period
o Inter Company, Industry & Sector Analysis
o Credit Rating Analysis
o Forecasting Financial Statements/earning statements
Talents
Work Experience
Senior Credit Officer
Citibank, N.A.
Full Time Apr-2013 To present 12 years
Responsibilities
  • ? Review of file at login stage and approving deferrals in case of non-submission / discrepant documents.
    ? End to end processing of Housing Loan and Loan against Property proposals, from initial receipt of loan application to credit approval stage within TAT parameters.
    ? Risk identification, evaluation of credit worthiness of the proposal.
    ? Comprehensive underwriting, checking credit controls and compliances.
    ? Active engagement with 3rd party vendors and track completion of all necessary verifications /checks related to the loan application within the required time.
    ? Necessary verification reports like taking mortgage repository, CIBIL reports, MCA checks, etc.
    ? Obtaining necessary approvals in case of deviations from Independent Appraisal Unit.
    ? Liaison with Fraud Control Unit for verification of applicant financials, viz., ITR, KYC documents.
    ? Preparation of loan documents in case of conversion of loans from floating to fixed rate of interest and vice-versa, semi fixed conversions, addition and deletion of applicants.
    ? Compliance to the queries raised in the Concurrent Audit.
Achievements
  • NA
Credit Officer
Saraswat Bank
Full Time Apr-2011 To Apr-2013 2 years
Responsibilities
  • Worked as a Credit Officer in the SME-Credit Department of the Bank in Lajpat Nagar, New Delhi for the period April 2011 – June 2012, where I was responsible for following:

    ? Processing of the information memorandum submitted by the companies,
    ? Analysis of the financial statement of the Corporate,
    ? Unit inspections,
    ? Analyzing the financial stability of the companies, recommendations regarding the permissible amount of advance to the companies,
    ? Preparing process note of the loan proposals for the consideration of sanctioning authority,
    ? Credit Rating Analysis of the proposals, such as Term Loan, Cash Credit,
    ? Loan documentation,
    ? Credit monitoring which includes ensuring the end use of funds, follow up and compliance of the terms and conditions of the sanction order, Scrutiny of the stock statement,
    ? Compliance to the queries to the concurrent audit,
    ? Managing of the general Queries raised by the head office and the Zonal Office of the bank and the customers
Achievements
  • NA
Education
Master of Business Administration, Finance
Indian Institute of Planning and ManagementIIPM University
2008-2010
Bachelor of Engineering or Technology
SD College Of Engineering and TechnologyMahamaya Technical University
2003-2010 Score70%
Extra-Curricular Interests

  • Hockey

  • Drama

  • music and dance

Profile Snapshot
Silky is based out of Delhi & has studied Finance, MBA-Master of Business Administration from Year 2008-2010 in IIPM-Indian Institute of Planning and Management, IIPM University.
Silky Kapoor is Skilled in Indian Politics, Credit Analysis, Credit Risk and other talents.