Summary of Career

1. Involved in preparation of written Credit Proposals combining financials analysis with sectorial information to take Decisions regarding the client’s risk of default, credit rating and adequacy of the proposed financing.

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2. Having approval authority up to $1.5m, this portfolio of clients has credit limits above $2.5m.

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3. Assisted in analyzing such factors as income growth, quality of management, market share, potential risks of industry and collateral appraisal to structure debt solutions in line with clients' funding needs ranging from Permanent Working Capital, Capital Expenditure Funding, Equipment Financing, Trade Finance.

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4. Assessment and monitoring of Credit Risk according to regulatory and Internal risk policies on a portfolio of corporate credit clients.

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5. Handled compliance and audit of branch operation at regular basis & assisted the annual audit process by having Cooperation with auditors to provide analysis of trends and forecasts and recommend actions for optimization.

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6. Lead Analyst for the Rehabilitation of Bad Loan Accounts Analyst Team (Bad loans due to floods in J&K India) consisting of 20 Credit Analyst and provided guidance to a team of 10 members.

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7. Managed a team of 8 members during Business Promotions Campaigns by performing credit evaluation of loan applications and ensuring optimum productivity output level within given resources.

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8. Built risk reporting framework and prepared regular risk reports to track risk metrics in the loan proposal using Credit Risk Management software, IMaCS Risk Scorer.

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9. Managed credit risks for the portfolio on an ongoing basis by keeping a watch on operating performance of the clients and by performing critical analysis of their financial statements to ascertain their credit worthiness and leverage capability.

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10. Coordinated and developed a close working relationship with the key stakeholders and ensuring fast turnaround time (TAT) while maintaining quality.

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