Pinki Mahajan

Experience

• 

  South Indian Bank

  Jul 2013 - now

  Manager (CMA)

  Working in a private sector bank as a Specialist Officer in Large Corporate Credit for the last 11 years. I have worked at four offices of the bank as a Credit Officer for almost 4 years at Corporate Business Group, Mumbai, 2 years at the Corporate Office, Mumbai, 5 years at the Corporate Office, Kolkata and 10 months at Regional Office, Kolkata. Learned Corporate Credit portfolio management at corporate vertical and branch level, which includes processing and documentation.Appraising credit proposals and taking up the proposals with appropriate sanctioning authority for the necessary approvals.Analysis of books and projects for Term Loans, Working Capital, Trade Finance in both Inland & Foreign advances .Analysis of past history of the borrower by studying CIBIL, CRILC data, RBI Caution List & Credit Opinion from different banks.Processing the loans for corporate segment by conducting risk analysis and scrutinizing relevent documents before disbursing loans and ensuring pre and post disbursal compliance with Industrial and Banking norms.Severally handled opening and management of non funded facilities both Inland & Foreign.Managing all Trade Finance Products including Letters of Credit (L/C), Documentary Collections, Guarantees, Forwards, Import and Export, Bank guarantees/SBLC. Acquired knowledge in supply chain finance products, process and related documentation.Acquired through knowledge of legal aspects related to the loan documentation for different types of credit facilities sanctioned, joint documentation in the consortium banking.Monitoring the overall functioning of accounts to protect the account slip into SMA or NPA, identifying improvement areas and implementing adequate measures to maximize health of the account. Schedule and co-ordinate meetings with promoters, directors & CFOs of the company for business development of the Bank. Show less