Rohit Kumar

Experience

• 

  State Bank of India

  Dec 2013 - Apr 2022

  ✔Proficient in conducting Due Diligence, Credit Appraisal and Underwriting for Corporates, SME.✔Skillful in negotiating mutually agreeable terms and conditions for credit assessments.✔Analyze financials/data (>₹100Cr portfolios) for MSME/companies, Individuals, trusts, NGO's identified risks, ensured KYC/AML compliance.✔Thoroughly review financials, annual reports, and data to prepare accurate Credit Monitoring Arrangements (CMA)✔Analyze Balance sheets, Financial Ratios, Fund Flow Statements, and Cash Flow Statements, Breakeven Analysis, DSCR analysis, sensitivity analysis.✔Ensure ongoing monitoring of sanctioned loan accounts, ensuring post-sanction compliance from borrowers.✔Collaborated with senior management to recommend loan approvals and negotiate credit terms.✔Successfully handle Statutory Audits and prepare Compliance Reports for the organization on an annual basis. Show less ✔Experience in retail Advances including Home, Vehicle, Personal, Educational, and Mortgage Loans✔Proven expertise in NPA monitoring, ensuring effective Risk Management✔Proficient in Claim Settlement processes, navigating complexities with precision.✔Specialized in Wealth and Portfolio Management, including Mutual Funds, SIPs, and Insurance✔Track record of successful Management and growth of diverse portfolios.✔Conducted 1000+ KYC/AML checks in retail banking (home, vehicle, personal, education, mortgage loans)✔Comprehensive understanding of financial markets and investment strategies. Show less

  • Credit Analyst

    Jul 2018 - Apr 2022

  • Senior Associate

    May 2016 - Jul 2018

  • Associate

    Dec 2013 - May 2016