Devduhita Roy

Experience

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  ICICI PRUDENTIAL LIFE INSURANCE COMPANY

  May 2004 - Oct 2004

  Banc assurance Officer
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  Citifinancial Consumer Finance India Ltd

  Dec 2004 - Mar 2005

  Personal Loan Officer

  Worked as a Personal Loans Officer in Rajkot Branch. The job profile involved individual counseling of the customers to know their earnings, liability and debt burden capacity. It also involved educating them about the loan scheme and offering them the right product among the wide range of solutions available to them, just to suit their need and status.

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  Abu Dhabi Commercial Bank

  Jan 2006 - Apr 2009

  Team Member NRI investments and Operations

  Working as Team member NRI investments, operations . The profiles involved operating NRE / NRO account for portfolio investment transaction and execute purchase / Sale on behalf of customers through brokers. The job also involves liasoning with the dealer for the purpose of placing contracts, reconciling their dues and confirming delivery of shares in customer’s De mat account . Also , giving delivery instructions, crediting proceeds and deducting TDS on behalf of Account holders.

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  State Bank of India

  Jul 2011 - now

  Credit risk appraisal and structuring of corporate finance transactions across mid & large corporates segments in Infra (Power including renewables, steel, roads etc.) and manufacturing (automobiles, fertilizer, cement, pharmaceuticals, real estate etc.) sectors across financial products in conformity with internal credit procedures/policies. Project and Industry due diligence, review of key agreements (PPA, concession agreement etc.), research on regulatory framework, ensuring consistency with industry best practices and related regulatory expectations. Review and assessment of financial models and CMA. Preparation of credit review assessment notes for consideration of respective sanctioning committees as part of approval processes Ensuring that all credit processes are followed, and policy norms are implemented in underwriting and approval of loans in the assigned Zone. Keeping track of industry level / competition level trends and initiating corrective actions if any required in credit appraisal policy / procedures. Recommending, presenting, and getting proposals/cases approved at various credit committees Credit appraisals of loan applicants within defined policy guidelines & accordingly recommending them for the approval to higher Authorities. Assessing Credit Worthiness of the potential client by studying financial History basis documents Submitted, market information, reference checks Show less

  • Relationship Manager

    Sept 2022 - now

  • Banking Professional

    Jul 2011 - now

  • Credit Review

    Jul 2011 - Jun 2023

  • Relationship Manager of Medium Enterprises (RMME)

    Jul 2011 - Nov 2021