Renu Ranadive Email & Phone Number

Ontario, Canada

• Assessing Credit risk and analyzing the creditworthiness of individuals for Auto Finance and approving or Rejecting the applications according to the credit assessment.• Assessing credit requirements within the approved matrix, and providing alternative options that fit as per Bank’s standard policies.• Analyze the creditworthiness of the customer with the help of credit reports such as Equifax/Transunion.• Process and approve credit applications for new customers or recommend them to higher authorities for lending credit.• Communicate and coordinate with dealers for customer applications and find solutions for weak applications.

Vancouver, British Columbia, Canada

• Assessing Credit risk and analyzing the creditworthiness of individuals for Auto Finance and submission of applications to best probable lenders according to the credit assessment.• Discussing credit requirements, assessing the credit limits within the approved matrix, and providing alternative options which fit in the lender’s norms.• Co-ordinating with Banks/Financial Institutions and customer service departments for credit requirements. • Negotiate with lending partners for declined deals and find solutions for gaining approval.• Ensuring all administrative tasks related to the loan approval process are completed in a timely manner with a high degree of accuracy.• Creating and forwarding legal loan documents.

Pune, Maharashtra, India

• Understand the Credit requirements of corporate customers. Assessing the credit risk and analyzing financial statements of various corporate clients.• Prepare a Credit note and submit it to higher authorities for In-principle approval.• Prepare underwriting proposal as per Bank’s and Government’s guidelines and regulations - Capturing Business summaries, financial projections, credit analysis, loan assessment, and detailing the credit risk involved. • Presenting proposals to credit committees for loan recommendations and approvals.• Handling the assigned portfolio and following up with the customers for completion of ad-hoc requests and renewals. Keeping assigned portfolio up to date. • Make various recommendations and decisions about extending the line of credits.• Worked with Corporate clients of various sectors with products such as Lines of Credit, Equipment Financing, Overdrafts, Letters of Credit, Post shipment and Pre-shipment Credits, and Bank Guarantees.• Work with the Audit team and compliance to be made as per Bank’s guidelines and policies.

• Handled Books of accounts & financial statements, and prepared Profit and Loss statements and Balance Sheets for clients.• Submission of various Income Tax returns for various companies.• Audit of Private Ltd companies, Financial Institutions, and Banks.• Submission of Tax Audits and VAT Audits of various customers before deadlines.

Chartered Accountant, Accounting And Finance

Bachelor Of Commerce - Bcom, Accounting And Finance