Rachana Shah
@rachanashah
Credit Analyst at Union Bank of India who appraised retail loans and is now seeking to combine banking experience with data analytics.
IndiaWhat I'm looking for
At Union Bank of India, I appraised retail mortgage-based and unsecured loan proposals, reviewing financial documents to assess repayment capacity and risk-based pricing.
I carried out credit appraisals, checked proposals against bank policies and risk guidelines, and recommended applications for approval. I also coordinated property assessments and maintained MIS reports.
Earlier, as a Credit Officer at Union Bank of India, I reviewed retail and MSME proposals and managed branch loan accounts, including corporate advances. I also worked on account renewals and site inspections.
At Torrent Power Limited, I analyzed debtors and handled cash, payment, and collection activities at the zonal level, working with the FICA module of SAP. I’m looking for opportunities to combine my banking experience with data analytics tools.
Experience
Work history, roles, and key accomplishments
Credit Analyst
Union Bank of India
May 2018 - Feb 2023 (4 years 9 months)
Sanctioned retail mortgage and unsecured loans, analyzed financial documents, and conducted 360-degree credit appraisals. Coordinated with advocates and valuers, finalized risk ratings, and maintained MIS reports.
Credit Officer
Union Bank of India
Jun 2014 - May 2018 (3 years 11 months)
Handled branch loan portfolio, analyzed and forwarded credit proposals, and managed corporate advances. Conducted site inspections and facilitated audits.
Assistant Manager Finance
Torrent Power Limited
Jun 2012 - May 2014 (1 year 11 months)
Performed monthly debtors analysis and managed cash, payment, and collection activities at zonal level. Worked in the FICA module of SAP.
Education
Degrees, certifications, and relevant coursework
Coursera
SQL for Data Science, Data Science
Successfully completed the SQL for Data Science course in June 2023.
IIBF
JAIIB and CAIIB, Banking
Successfully completed both JAIIB and CAIIB certifications in the first attempt.
Ahmedabad University
Master of Business Administration, Finance
Pursued a Master of Business Administration with a specialization in Finance.
St. Xavier's College Ahmedabad
Bachelor of Science, Biochemistry
Earned a Bachelor of Science degree with a major in Biochemistry.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Salary expectations
Job categories
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