The document contains a resume for Arif Shaikh providing his contact information, 8 years of experience in credit analysis and business operations, work history including roles at Citi Bank and Tata Consultancy Services, job responsibilities involving portfolio analysis, client relationships, and loan underwriting, and qualifications including a Bachelor of Commerce degree.

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Arif Shaikh
ADDRESS : Gate No. 06, BMC Colony, Room No. 1544, Malad West, Mumbai
MOBILE : +919820095159
E-MAIL : arifshaikh0108@gmail.com
Career Objective
To deliver excellence in terms of commitment, leadership, team work, creativity,
consistency and contribute towards the personal and organizational growth.
Profile
 A competent professional with 8 years of experience in Credit Analysis and Business Operations.
 Pivotal in maintaining healthy relations with clients for enhancing service delivery to generate business avenues.
 Possess excellent analytical, interpersonal, communication and organisational skills with proven abilities in team
management, customer relationship management and planning.
Work History
A. Team Leader : Citi Bank , Tata Consultancy Services -(September 2012 to present)
B Senior Consultant – Risk and Quality Control Process : Sutherland Global Services (March 2012 to Sep 2012)
C. Loan Underwriter : Altisource Portfolio Management (March 2011 to Feb 2012)
D. Associates Loan Underwriter : TCS consultancy August 2009 to March 2011
E . Associates Loan Underwriter : NDS InfoTech U.S Mortgage (January 2009 to August 2009 )
F. Sales Executive : Sapna Estate Consultant ( August 2007 to Dec 2008 )
Job Profile:
Credit Analyst:
 Diversified portfolio analysis by conducting company research, assessing economic trends across
investment sectors and analyzing client’s investment needs and risk appetite.
 Managing clients investment portfolio in a tax advantaged way.
 Handle important on shore clients and individual client relationships for the bank.

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 Establish and service special Clients accounts.
 Process and verify transactions.
 Working on retail and correspondent lending teams.
 Review all documentation and recommendations before final determinations are rendered.
 Calculate and track positive and negative yield statistics, reporting findings to management.
 As member of lending team, analyzed and evaluated customers credit worthiness.
 Documented findings; prepared independent recommendations on advisability of granting credits for
retail and correspondent lending team.
 Review credit profiles of customer for mortgage loan.
 Review business profiles, bank statements and future financial projections.
 Analyses balance sheets and profit and loss statement of the Company.
 Analyses the financial position of the Company to determine the company’s stability and the profit trend.
 Conduct periodic credit training for backend team.
 Review all relevant documentation for execution of transaction.
 Verify repayment behavior of clients through credit reports.
 Conduct client visit to understand and review the business operation of the Company.
 Reviewing and evaluating loan applications ensuring complying of criteria’s as laid down in the credit policy
& checking whether necessary information and copies of documents are furnished.
 Rejecting or accepting the applications as given to the backend team.
 Handling processing of files and dockets of loans and sending them with the feedback report to the on
shore credit manager (Client)
 Generating daily MIS Reports to provide feedback to top management on day-to-day affairs and other
business parameters.
 Coordinating with Operations department for setting up a smoother process flow
 Assist in preparing credit documentation within approved terms, bank policies and delegation authorities.
 Scrutiny of Mortgage Application form, Appraisal Report, Tittle Report, Credit Report etc.… to decide the
approval for further process.
 Post- Closing audit (QC) of funded/closed loans as per the regulations and guidelines.
 Purchases, review and updates of the closed loans from the existing market.
 Withdrawal process of loan after completes review and as per the borrower’s request.
 Preparation of pay-off on request of the borrower.
Notable Accomplishments;
 Instrumental in assisting Credit Manager for interfacing with agency and deciding on following TATS for speedy
disbursals.
 Played a key role in reducing credit cost by suggesting Kiaizen project.
 Monitored the compliances associated with the fraud in mortgage applications
Computer Skills

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MS-Excel and MS- Word
Languages :
English – Speak, Write and Read (Fluent)
Hindi - Speak, Write and Read (Fluent)
Marathi- Speak, Read and Write (Fluent)
Professional Qualification
Bachelor of Commerce
Mumbai University June 2007
PERSONAL DETAILS
Date of Birth : 1st
August 1985
Nationality : Indian
Marital Status : Single
Religion : Islam