Summary of Career

1. Credit Appraisal of SME clients having turnover in the range of USD 3M – 100M

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2. Visionary, Strategist, Result Oriented Professional with 4 years of insightful Banking experience in Credit Risk Assessments & Controls, Scrutiny and Process Enhancement.

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3. Involvement in Credit Policy Implementation, formulating policies and processes for SME unit

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4. Proficient in core banking software namely Finacle (Developing Company: Infosys)

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5. Preparation/ presentation of credit proposal to Sanctioning Authority/ Credit Committee

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6. Close monitoring of SME borrowing clients for account conduct, industry risk, limit utilization, watch listed/ downgraded accounts, cheque returns, asset life cycle tracking, document deferrals, past dues and collections, adherence to covenants stated in proposals

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7. Performing critical credit analysis of financial statements, bank statements, ratio analysis, cash flow forecasts, risk ratings, interim memorandums for one-off customer requests, conducting Central Bank Credit/ blacklisting checks, market inquiries.

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8. Generate new business opportunities for the unit by identifying new clients from customer/ supplier interactions.

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9. Periodic interactions with existing clients to remain updated about industry / market risks / opportunities

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10. Carry out surprise inspections to understand the smoothness & ease in site operations

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