Experience

• 

  Canara bank

  Aug 2013 - now

   Spearheading Credit Appraisal for many Retail Cases, High Net Worth Individuals andBig Corporate Entities; overseeing branch operations with a branch business of INR500 CR Assessing & making decisions about customer credit applications using a range ofcriteria including purpose of application and credit viability Providing strategic guidance to the Relationship Managers for proper documentation& execution Adhering compliance to pre-disbursement terms & conditions and supervisingaccounts post-sanction Steering efforts towards underwriting, structuring and managing credit risks andrelationships that are large, complex & above authority level of Senior CreditAnalysts/ Account Credit Managers Executing risk assessment of loan proposals, credit/ market/ operational riskmodelling, policy formulation and setting-up of appropriate procedures Analyzing various reports & transactions to ensure compliance of various banks andregulatory directions Coordinating with Credit Team at zonal offices and large borrowers for increasing theloan book & fee-based income of the bank Performing annual and interim counterparty financial analysis for largecounterparties, including analysis of factors such as financials, industry andeconomic trends Liaising & coordinating with internal, statutory and RBI auditors (Annual FinancialInspection) for preparation of replies to the observations pertaining to the LargeCorporate Credit vertical Show less Corporate Credit Analysis:• Creation of information memorandums for syndication, Project Appraisal (TEV report) across industry andVetting of Term Loan Proposals.• Analysis of financial ratios, NPV, IRR, financial modelling and carrying out Pre-sanction due diligence on theborrowers, Preparation of Detailed Project Loan Appraisals, Conducting Credit Risk Ratings under various loanmodels.• Post sanction handholding of the clients, assessment/sanction of further finance requirements, monitoring,compliances, review/enhancement and further monitoring of the general conduct of the accounts.• The Industry profile of the clients includes Real Estate, Roads, NBFCs, Hotels, Hospitals, Automotive,Breweries/Distilleries and Other Manufacturing.• The Loan portfolio includes Working capital advances & Term Loans including Discounting of Future LeaseRentals. The Turnover of customers currently dealing with range from Rs.500 crore to Rs.20000 crore.SMA Monitoring:• Monitoring of SMA accounts through various monitoring tools.• Analysed the reasons of weakness in the accounts and initiated steps to improve the same, which resulted inimprovement in the conduct of the accounts.• Appraisal and Preparation of rehabilitation proposals under RBI’s scheme for sustainable structuring ofstressed assets (S4A), Sustainable Debt Restructuring (SDR) & Deep Restructuring Show less Corporate Credit Analysis:• Process fresh loan applications and renewal proposals for Corporate clients including loan application for newprojects duly.• Analyse applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and otherfinancial information.• Meet with applicants to obtain information for loan applications and to answer questions about the process.• Explain to customers the different types of loans and credit options that are available, as well as the terms ofthose services.• Handle customer complaints and take appropriate action to resolve them.• Establish and maintain relationships with individual or business customers or provide assistance with problemsthese customers may encounter.• Network within communities to find and attract new business. Show less

  • Chief Manager

    Apr 2023 - now

  • Senior manager Technical

    Apr 2020 - Mar 2023

  • Technical Manager

    Apr 2017 - Mar 2020

  • Technical field Officer

    Aug 2013 - Mar 2017