Saket Saurav

Experience

• 

  DEO KUMAR & CO.

  Sept 2007 - Apr 2011

  ARTICLE ASSISTANT

  Accounting, Tax Planning, Financial Reporting, Auditing

• 

  Deo Kumar & Co (Chartered Accountants)

  Jun 2011 - Mar 2012

  Paid Assistant

  Conducting Tax Audit as per Applicable Income Tax Laws, Conductin Statutory Audit/ Internal Audit as per relevant Accounting Standards, Corporate lawsIndustries handled: Manufacturing, Public sector Banks, Construction Contractors, Wholesale Trading etc

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  Allahabad Bank

  Aug 2012 - Jun 2015

  Underwriting of SME/ Retail credit proposals for approval committee and completing credit reviews inaccordance with lending policyEnsuring credit quality through proper due diligence and risk assessment, within allowed TAT.Covenant monitoring to identify the customer with deteriorating financial/ business health through EWS and suggest resolution plan for improvement of asset category.Implementation of internal/ regulatory policies and ensuring rectification of irregularities highlightedin various internal inspections or external audits Show less

  • Assistant Manager

    Jul 2014 - Jun 2015

  • Assistant Manager

    Aug 2012 - Jun 2014
• 

  Allahabad Bank

  Jul 2016 - May 2019

  Credit Manager

  Underwriting of Corporate Credit /SME credit proposals for approval committee and completing credit reviews inaccordance with lending policyEnsuring credit quality through proper due diligence and risk assessment, within allowed TAT.Covenant monitoring to identify the customer with deteriorating financial/ business health through EWS and suggest resolution plan for improvement of asset category.Implementation of internal/ regulatory policies and ensuring rectification of irregularities highlightedin various internal inspections or external auditsClosely work with field functionaries to execute the deals in compliance with banking guidelines and simultaneously effectively address the client’s financial requirement.Visit to borrowers/units to assess various risk factors involved in lending. Show less

• 

  Indian Bank

  Jun 2019 - now

  Underwriting of Corporate Credit /SME credit proposals for approval committee and completing credit reviews inaccordance with lending policyEnsuring credit quality through proper due diligence and risk assessment, within allowed TAT.Covenant monitoring to identify the customer with deteriorating financial/ business health through EWS and suggest resolution plan for improvement of asset category.Implementation of internal/ regulatory policies and ensuring rectification of irregularities highlightedin various internal inspections or external auditsClosely work with field functionaries to execute the deals in compliance with banking guidelines and simultaneously effectively address the client’s financial requirement.Visit to borrowers/units to assess various risk factors involved in lending.Industries Handled: Iron & Steel- ManufacturingSate Govt Food & Civil SupplyPower- Generation, Transmissiin & Distribution Road- ConstructionAgriculture - Rice Mills/Flour mills, Investment Credit etcBio Fuel: Ethanol Production Plants, Commercial Real Estate( Residential Housing), Educational Institutes etc Show less

  • Chief Manager

    Apr 2022 - now

  • Senior Manager(credit)

    Jun 2019 - Mar 2022