Umesh Sitaula

Experience

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  P.R. Traders and Suppliers Pvt. Ltd

  Aug 2011 - Aug 2012

  Sr. Accountant

  Accounts management, Financials preparation, cash & bank management, Payroll management and internal accounting and financial compliance.

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  Civil Bank Limited

  Nov 2012 - Feb 2016

  Relationship Manager

  Nature of job: Civil Bank Limited is a commercial bank of Nepal with Nation wide network of over 40 branches. I worked there as relationship officer. My job was mostly solicit the credit customer and forward proposal for the loan request of genuine applicant. I was looking after a portfolio of 40 Mil. approx when I left for the further study in USC, Australia. Responsibilities:• Dealing with the Credit clients of the Bank. • Making proposal for Corporate/SME/Consumer Financing.• Obtaining CAD clearance certificate from CAD-Central before disbursement of loan.• Looking after basic/control/charge documents for proposal/securities/collaterals and related legal formalities i.e. MOTD, Legal Mortgages, registration of charge. • Comprehensive risk analysis i.e Financial, Facility wise Security Analysis, Industrial Analysis. It also includes market review and legal aspects.• Periodic reports .(External and Internal including Basel reports, E-CIB)• Preparation of the monthly watch list report w.r.t problematic clients and suggesting appropriate strategy in this context.• Effective communication with the customers for timely completion of documentation.• Pledge and Hypothecation Management, insurance management.• Manual and MIS Documentation• C.D.D/AML/KYC Profiling.• Liaison with External and Internal Auditors, Compliance Department, Credit Administration department and Regional/Executive Finance Committees. Show less

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  Expert Education and Visa Services

  May 2017 - Aug 2019

  Accountant