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Rishabh Joshi

@rishabhjoshi1

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Credit Appraising Officer at IDBI Bank handling loan appraisals, risk assessment, and end-to-end loan processing.

India

Message

At IDBI Bank, I manage and appraise loan proposals, evaluating borrower profiles, repayment capacity, and financial information to support credit decisions. I identify credit and operational risks and recommend mitigation measures before sanction and disbursement.

Previously, as an Assistant Manager at IDBI Bank, I worked across branch and retail banking, liabilities, and customer service. I also supported loan processing for MSME and retail/home-loan segments, prepared credit notes, and carried out KYC checks.

Experience

Work history, roles, and key accomplishments

Current

Manager / Asset Officer

Current

IDBI Bank

Jun 2024 - Present (2 years 4 months)

Manage and appraise loan proposals with focus on credit quality, risk assessment, documentation and policy compliance. Handle end-to-end asset/loan processes including sourcing, appraisal, credit note preparation, sanction-related processing and disbursement coordination.

Credit Appraisal Underwriting Credit Risk Assessment Loan Processing Documentation KYC Customer Due Diligence SME Lending Retail Lending Financial Analysis Finacle SQL

Assistant Manager

IDBI Bank

Dec 2019 - Jun 2024 (4 years 6 months)

Handled banking operations, retail banking, branch banking, liabilities and customer service activities. Worked on loan processing and credit-related activities across MSME and retail/home-loan segments.