Senior Manager

• Nov 2017 - Present

Manager-Credit Risk Monitoring

• Jul 2013 - Oct 2017

 Publishing periodic liquidity reports as per the requirements of Regulators.  Publishing reports related to portfolio health to Asset-Liability committee.  Tracking variance in projected and actual progress of real estate projects in terms of constructions, sales and collections targets.  Periodical monitoring of physical and cashflow security covers and reporting prospective risk factors.  Providing real estate portfolio details like profitability, LTV, yield etc to credit rating agencies and banks for fund raising purpose.  Co-ordinating with the senior management (CFOs) of the borrower company for seeking information regarding entity and project financed.  Periodic review of debtor’s financial statements and loan covenants and highlighting the prospective delinquent loan accounts.  Periodic review of Debtors list and coordinating with the top Management for decision making.  Handled the project of Loan Management automation process with third party vendor.  Conducting site-visits for inspection of the project and monitoring project progress and reporting for decision making.  Team handling and ensuring smooth and timely of delivery of post sanction services.  Expertise in handling Internal/External audit, statutory Audit and RBI audits. Show less

Assistant Manager-Credit

• Jun 2011 - Jul 2013

 Conducting a detailed credit and risk analysis of investment proposal and presenting to the central credit committee.  Actively handled the transition of loan portfolio from existing Axapta to a more capable and advanced Sunguard system.  Doing the loan documentation before disbursement in consultation with the legal department.  Detailed analysis of prospect customers’ Business, Management and Financial health.  Portfolio analysis and close monitoring of critical accounts.  Industry-specific research and assessing the client’s business model.  Assisting credit operations team in audit performed by Reserve Bank of India.  Ensuring compliance with various regulations of RBI and the credit and credit risk policy of the organisation. Show less