Gaurav Chatterjee

Experience

• 

  Federal Bank

  Jan 2017 - now

  • Conducting comprehensive interpretation of Credit Bureau Reports, assessment of Income streams, analysis of bank statements, and thorough evaluation of eligibility for hubs & service centers.• Managing a diverse portfolio comprising over 200 clients, with a collective loan exposure amounting to approximately Rs. 1000 Crore.• Upholding the credit quality of allocated portfolio accounts, which encompasses proactive management of accounts in arrears/stress, administering renewals, ensuring security perfection, and executing exits with precision.• Implementing sophisticated cash flow methodologies to conduct robust assessments of commercial loans, while evaluating Self-Employed Loans.• Scrutinizing loan applications to ensure strict adherence to internal policies and external regulatory standards.• Conducting pre-credit appraisals & furnishing advance proposal recommendations within defined turnaround time (TAT) parameters. Show less • Spearheaded the development of strategic partnerships and collaborations with banks, foreign exchange houses, and forward contract entities in the region, serving as a vital liaison between the representative office and the headquarters. Additionally, represented the bank in engagements with regulatory authorities in Qatar.• Cultivated and nurtured relationships with various institutions to foster long-term partnerships and enhance business prospects.• Conducted continuous monitoring of local market dynamics to evaluate their potential impact on the existing portfolio and overall FI business. Delivered pertinent market intelligence, information, data, and reports to the Head Office.• Engaged in cultivating robust relationships with a diverse range of internal and external stakeholders, including key financial institutions and correspondent banks, thereby fortifying the Bank's network and influence within the industry. Show less • Conducted interviews with loan applicants to assess their creditworthiness and repayment capabilities.• Analyzed financial data including income, assets, credit history & credit scores.• Assessed loan applications & accompanying documentation to ascertain eligibility criteria.• Provided recommendations on suitable loan products and terms based on a comprehensive risk assessment.• Engaged in negotiations with applicants to establish favorable loan terms and structures.• Supervised the loan servicing process to guarantee timely repayments. Show less

  • Manager

    Aug 2021 - now

  • Overseas Manager

    May 2019 - Aug 2021

  • Relationship Manager

    Jan 2017 - Apr 2019