Experience

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  South indian bank

  Jun 2013 - Feb 2017

  Credit officer

  - Credit & Financial Analysis of Corporate firms, NBFCs, SMEs & Individuals. - Preparation of Credit Proposal, Risk Rating Sheet, Financial Module, Visit reports and various other reports as required per the credit policy & risk appetite of the bank.- Managing of queries raised by the sanctioning authority, audit committee and risk department- Ensuring timely disposal of the credit in accordance with prescribed TAT norms - Completion of post-sanction legal documentation and its proper compliance.- Continuous Monitoring of the branch portfolio & following up for overdue, irregularity in the account.- Visiting customer’s site for inspection of plant and factory before and after disbursement), attending the meetings of consortium financing.- Submission of various MIS reports to Credit Monitoring Department at Head Office. Show less

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  Citi

  Feb 2017 - Feb 2022

  Credit manager

  - Underwriting of loans for Corporates, SMEs & Individuals within credit policy & risk appetite of the bank.- Understanding business model & looking out for operational, cash flow & credit risks for the deal & its mitigants.- Understanding of liquidity position & leverage profile by financial statement analysis of the prospective customers for mitigation of credit risk.- Analysis of credit reports (CIBIL, CRILC, and Probe42) to check for risk of over-leveraging and past defaults/ delinquencies.- Continuous Monitoring of the portfolio & looking for credit risk with respect to any geography or asset type.- Managing team of CPAs and external vendor for necessary and timely report/ file generation.- Unit visit and talks with same segment customer/ suppliers for reference checks.- Managing of queries raised by the sanctioning authority, audit committee and risk department.- Ensuring timely disposal of the credit in accordance with prescribed TAT norms.- Review of early warning signs in the portfolio and timely reporting to collection. Show less

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  Hdfc bank

  Feb 2022 - now

  Senior credit manager

  Senior Credit Manager for Infrastructure Finance Group (Large Ticket) in a renowned bank looking after Uttar Pradesh and Uttarakhand portfolio