Praggya Agarwal

Experience

• 

  State Bank of India

  Mar 2011 - now

  • Managed Credit Team for assessing of credit risk for working capital and financial leveraging of large corporates• Appraised proposals using Ratio analysis , Du Pont Analysis, Sensitivity Analysis and Operating cycle Analysis• Prepared proposals for Credit Risk Assessment and post sanction Credit Monitoring Arrangement.• Worked on Project financing projects in Agriculture, Education and Infrastructure sector.• Credit underwriting based on cash flow analysis, cost accounting, balance sheet analysis and firm capital structure.• Market Risk assessment through monitoring of economic and industry developments as well as financial parameters of clients. Show less • Reconciled Branch General Ledger Accounts, Vendor Bill payments , Fixed Assets managementand Bill processing.• Processed and sanctioned personal segment advances like Home loans, Car loans and Personal loans• Underwriting of Commercial advances like Trader loans and SME loans upto 1 cr.• Handled a team of 7 people as Branch Manager.• Met clients to evaluate credit worthiness and understand client needs to structure proposals/deals within Banks credit guidelines.• As a team member did Economic Research and Analysis of various market variables. • Initiated legal recovery processes like SARFESI, DRT and Lok Adalats for Non-performing assets’ Show less

  • Deputy Manager

    Jun 2015 - now

  • Assistant Manager

    Mar 2011 - May 2015