Ashok Sharma

Experience

• 

  Karnataka Bank

  Jun 2012 - now

  Appraisal of projects involving financial, technical, economic risk analysis. Managing the entire gamut of pre and post sanction activities including project evaluation, structuring of the transaction, preparation of term sheets, negotiation thereof with the clients, security creation, loan disbursement, overseeing of principal and interest repayment, monitoring the progress of the projects and overall relationship management. Liaising and working closely with the external agencies like technical & legal, for completion of valuation, due diligence and documentation pertaining to the investment. Registration of charge on the properties with CERSAI. Staying abreast with the changes in the regulatory framework, the market conditions and working towards the formation and implementations of new policies and procedures in the department. Adept at monitoring SMA accounts through various monitoring tools and Analyzed the reasons of weakness in the accounts and initiated steps to improve the same, which resulted in improvement in the conduct of the accounts. Following the process /procedure of the bank and ensuring compliance to rules and regulation of the bank including latest circulars and notification.Implementing the new products, services and processes devised by Head Office.Representing the Bank within the wider community and building relevant contacts;Submitting Reports and Returns to Head / Regional Office on Weekly, Bi-weekly, Monthly and Yearly basis.Ensuring a high level of customer service with promoting and marketing the Branch and its products.Opening and closing the Branch daily and ensuring that the premises are fit for business.Dealing with customer complaints that can't be solved by the front line Officers.Managing and coaching teams of people (15-20 in size)Monitoring Inward and Outward CTS clearing, CASA, ADC’s and Deposit Mobilization, Tax Deduction at Sources (TDS) for the Branch with turnover of more than 100 Crore. Show less Explain to customers the different types of Credit options that are available, as well as the terms of those and other services.Assesses the viability and credit risk of business and consumer loan proposals, and controls and processes accounts. Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans. Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.Review and update credit and loan files. Review loan agreements to ensure that they are complete and accurate according to policy.Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.Generate Corporate and Retail rating and financial ratios, using computer programs, to evaluate customers' financial status.Handle customer complaints and take appropriate action to resolve them. Work with clients to identify their financial goals and to find ways of reaching those goals.Negotiate payment arrangements with customers who have delinquent loans. Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action. Arrange for maintenance and liquidation of delinquent properties.Handling and Monitoring Inward and Outward CTS clearing, CASA, ADC’s and Deposit Mobilization, Filing Tax Deduction at Sources (TDS) for the Branch with turnover of more than 400 Crore.Supervise loan personnel and train new Staff. (6 to 8 personnel in size) Show less

  • Senior Manager

    Jan 2022 - now

  • Credit Manager

    Jul 2014 - Jan 2022

  • Credit Officer

    Jun 2012 - Jun 2014