SAKSHI NARWADE
Deputy Manager - Credit Appraisal
Aurangabad
Summary
Finance professional with 2 years of hands-on experience in credit underwriting and loan policy execution at HDFC Bank. Skilled in loan sanctioning, credit risk analysis, and financial investigations. Proven ability to drive operational efficiency and maintain regulatory compliance within the home loan vertical. Known for delivering accurate and timely decisions in high volume environments.
Overview
2
2
years of professional experience
2
2
years of post-secondary education
3
3
Certifications
Work History
Deputy Manager, Credit Appraiser - Retail Credit Home Loans
HDFC Bank
04.2023 - Current
- Sanctioning high-volume home loan proposals exceeding ₹50 crore per month, with a focus on accuracy, speed, and compliance.
- Conducting detailed credit assessments by analyzing credit scores, payment history, and past borrowings using credit bureaus like CIBIL and Experian.
- Evaluating external portfolio factors such as employment stability, industry-specific risks, and economic trends to minimize default risk.
- Managing credit risk through statistical techniques including regression analysis, survival analysis, and probability of default models.
- Performing exposure analysis and preparing risk reports to support regulatory compliance and enhance overall portfolio profitability.
- Assessing declining asset values and identifying legal risks related to collateral to ensure sound lending decisions.
- Interpreting and applying internal credit policies, RBI guidelines, and regulatory standards in daily credit operations.
- Analyzing Loan-to-Value (LTV) and Debt-to-Income (DTI) ratios to determine the borrower's repayment capacity and financial stability.
Education
Postgraduate Diploma (PGDM) - Finance
Indira Institute of Management
Pune, India 01.2021 - 01.2023
Skills
- Structured problem solving
- Documentation Accuracy
- Responsiveness
- Attention to details
Career objective
To obtain a challenging position in a reputed financial institution where I can apply my experience in credit appraisal, risk assessment, and policy management. I aim to contribute meaningfully to the credit strategy and operational goals of the organization while continuously developing my skills in line with emerging financial trends and technologies.
Certification
Credit Risk and Underwriting - Udemy
Accomplishments
- Recognized as Top Performer in 2024 for processing the highest number of quality credit proposals.
- Received certificate of appreciation in recognition of significant contribution to Bank.
- Received client appreciation mail for smooth handling of complex loan Case.
INTERNSHIP
Archers Wealth Management Pvt Ltd.
Finance Intern. 05/22- 07/22.
- Looked at market data to help decide when to buy or sell stocks and other investments.
- Gave suggestions based on research to support investment decisions.
- Helped plan and manage how money was invested and traded.
- Studied stocks using basic and advanced methods to understand their performance.
- Made reports explaining different types of charts and tools used in stock analysis.
- Wrote reports on market trends using real-time data.
Timeline
Deputy Manager, Credit Appraiser - Retail Credit Home Loans
HDFC Bank
04.2023 - Current
Postgraduate Diploma (PGDM) - Finance
Indira Institute of Management
01.2021 - 01.2023
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