Swaha Mitra

Experience

• 

  State Bank of India

  Jul 2008 - May 2016

   Analysis of financial statements followed by accurate risk rating analysis of accounts. Regular interaction and handling operations of various leading accounts . Handling of Commercial Paper for these accounts. Preparing credit proposals as per laid down specifications after obtaining the relevant data from the company. Negotiating rates and pricing with customers. Judicious implementation of credit policies and procedures. Actively involved in Post-Sanction maintenance and follow-up of accounts including dealing with operational issues on a day-to-day basis Actively participated in various audits mainly Credit audit, RBI audit and Statutory audit ensuring speedy completion of audits in respect of submission of data and rectifications/clarifications of audit remarks Ensuring timely compliance of RBI and internal circulars. Maintaining adequate liaison with the delivery platform, other allocated branches and operational functionaries of corporate. Cross selling of various products/businesses. Assisting RM in business targets and preparing yearly account plans Show less • Product Development & Management, competitor profiling, new offerings.• Fixing / monitoring and revision of product charges and reviewing of existing products.• Monitor concerns of Top management and RBI guidelines, fixing targets to circles and educating our operating staffs• Analysing overall SME deposits and its constituents (CA, SB, CASA ,TD, Bulk) on a monthly basis, to enable bank raise low cost funds• Monitoring growth of all SME liability and transaction products on a monthly basis and take corrective steps to maintain the deposits CASA deposits Show less

  • Credit Analyst

    Feb 2012 - May 2016

  • Product Manager

    Jul 2008 - Feb 2012