Nitu Roy

Experience

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  IDBI Bank

  Jun 2009 - now

  Manager

  Credit Analysis ·Developed and maintained diversified loan portfolio including various types of loan programs:consumer, small business and real estate·Execution of documents as per organizational guidelines stipulated·Minimizing the level of NPAs on continuous basis and exploring the possibilities of Restructuring·Observing , analysing and interpreting financial trends·Performed internal audit of credit and loan procedures·Recovering existing stressed accounts (SMA) through EWS and Red flag signals and identifies/prevents future NPAs. Monitoring the performance based on the progress reportssubmitted and takes suitable legal proceedings for prevention, recovery and reporting of fraudsAudit and Regulatory Compliance ·Handling the Client Due Diligence and follow AML & KYC guidelines issued by RBI·Ensuring compliance with legal and regulatory requirements for stress testing and reporting·Responsible for month-end regulatory reporting post-closing process, account reconciliations,compliances, concurrent /statutory audits and reviews·Monitor, evaluate and communicate the effects of proposed regulatory reporting proposed by RBI·Identify, recommend and work with other areas of the organization to automate and streamline functions to improve operations efficiencies of compliance systemClient On-boarding·Collaborates with clients to analyse client credit requirements and establish credit lines. Analysing financial status, collateral coverage and risk mitigation·Work with clients to identify their financial goals and to find ways of reaching those goals. ·Discusses credit alternatives, credit criteria, pricing and documentation in such a manner to elicit a positive responseRelationship Management ·Managing client centric operations, analysing client instructions with the help of all concerned departments involved and ensuring client satisfaction by achieving delivery and service quality norms with minimum TAT Show less