Khushboo Lohiya
Bukit Batok
Summary
Proficiency in Credit Risk Analysis- Home loans & Mortgage loans, offering3+ years of experience in retail asset banking sector. Looking for a fresh restart in any suitable position in finance, accounting, taxation, audit and any new areas in related fields enhancing my knowledge. Adept at underwriting & credit appraisals with general banking softwares, specialisation in Credit Review; customer business profiles analysis; Risk Analysis, Appraisal Notes preparations & Case Recommendations with comfort in handling the TAT.
Overview
7
7
years of professional experience
Work History
Credit Manager
Aditya Birla Housing Finance Ltd
03.2015 - 04.2015
- Detailed risk analysis; indepth business module assessments; ratio analysis of customer profiles; and analytical reviews of proposals through business visits, personal discussions & market references for each case
- Initiate verification processes including property valuations, contact point verifications, financial verifications, legal and bureau report check.
- Analysis of financial reports and preparations of Credit Appraisal Memos; final appraisal notes and verify post sanction conditions before disbursal
- Monitor sanction/rejection ratios within the prescribed limits, delinquencies, loop holes and mitigate measures for task completions as per the desired TAT & meeting deadlines
- Coordination with various vendors like legals, valuers, RCU & verification team.
Credit Process Associate
ING Vysya Financial Services Ltd, A subsidiary of ING Vysya Bank Ltd
09.2013 - 02.2015
- Process Loans against property & Home loan proposals with emphasis on Residential & Commercial LAP cases and referring to credit manager.
- KYC & Financial documentations; updations of Daily & monthly MIS and reporting; initiating verifications from inception to completion
- Credit assessment & loan eligibility calculations based on mathematical ratios, credit policy parameters, business profile study and business visits to the customers.
- Verification checks and ensure timely receipts of legal, technical, cibii, RCU & CPV reports & documents
Credit Officer
Axis Securities Ltd, A subsidiary of Axis Bank Ltd
12.2011 - 07.2013
- Responsible for executing data entry in system software, timely updating of credit MIS, initiation and timely receipt of various verification reports, initial file check, ensuring communication and timely resolution of queries in co-ordination with sales and operations
- Profitability Analysis & Finance MIS
- Processed auto – home – mortgage – personal loan proposals
- Participated in various curricular activities of axis bank and hosting of the grand collaborative event of Axis bank, Audi & Ummed Heritage in Jodhpur, Rajasthan
- Coordination with the vendors & sales team
Article Assistant
M/s Rajesh Rathi & Co., Jodhpur, Rajasthan, India
04.2008 - 04.2011
- Underwent articleship training in line with CA regulations
- Gained proficiency in accounting & taxation working in the areas of accounting, audit report preparations and e-filing returns of firms, companies & individuals
Education
Chartered Accountant (CA) -
Institute of Chartered Accountants of India
01.2011
B.Com (Hons) - Accounting
Jai Narain Vyas University
Jodhpur, Rajasthan01.2008
XII -
Rajasthan Board
01.2005
X -
Rajasthan Board
01.2003
Skills
- Strong analytical and review skills
- Research and due diligence
- Proficient in English and Hindi linguistic skills
- Creative poetry writer by choice
- Confident, outspoken and eager to learn new things
Hobbies and Interests
Event Management (presently an active volunteer at Bukit Batok Spring View RC. Contributed recently in the planning of Deepavali Celebration organized by RC including the Design of poster, props, activities coordination and promotion.), Content Writer at my page (My me time Thoughts at wordpress.com- https://mymetimethoughts.wordpress.com/)
FAMILY DETAILS
- Staying in Singapore since2015
- Kids- 3 year and 7year old
- Spouse – Working in ExxonMobil Asia Pacific Pvt Ltd as Global Technology Lead in Engineering discipline, Graduated from Indian Institute of technology (IIT) Roorkee, India.
Timeline
Credit Manager
Aditya Birla Housing Finance Ltd
03.2015 - 04.2015
Credit Process Associate
ING Vysya Financial Services Ltd, A subsidiary of ING Vysya Bank Ltd
09.2013 - 02.2015
Credit Officer
Axis Securities Ltd, A subsidiary of Axis Bank Ltd
12.2011 - 07.2013
Article Assistant
M/s Rajesh Rathi & Co., Jodhpur, Rajasthan, India
04.2008 - 04.2011
Chartered Accountant (CA) -
Institute of Chartered Accountants of India
B.Com (Hons) - Accounting
Jai Narain Vyas University
XII -
Rajasthan Board
X -
Rajasthan Board
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