Atul Bhattacharya

Experience

• 

  State Bank of India

  Apr 2010 - now

  • Administration and efficient daily operation of a full service branch office, including lending, product sales, customer service, and security and safety in accordance with the Bank's objectives.• Achieving incremental targets for CASA, Fixed Deposits and loans, and achieve fee in terms of Mutual Funds, Insurance Products, Gold and ensuring Growth in NII (Net Interest Income) and Increase in fee income of the Branch.• Achievement of customer service index scores target and ensuring no escalations at branch and complaint handling.• Ensure operations, risk control and process adherence at branch to improve audit score in RBI audits and internal inspection. Show less  Credit appraisal of companies with an annual turnover of INR 50 – 2500 crores and fund-based exposure of INR 10 crores & above Analyzing company’s financial statements and cash flow for effectively assessing credit risk and (current and potential) client viability Calculating Credit Risk Assessment Ratings of the Companies Quantitative and qualitative analysis of requests for loans and lines of credit and preparing credit proposals – Appraised credit proposals of companies covering leather, engineering, commercial real estate, edible oil, education, jewellery, technical textile, iron and steel. Show less

  • Manager

    Jun 2018 - now

  • Relationship Manager

    Nov 2017 - Jun 2018

  • Branch Manager

    Mar 2014 - Oct 2017

  • Credit Analyst

    Apr 2010 - Feb 2014