PARAMTOSH SINGH
First Vice President, Credit at State Bank of India (California)- Claim this Profile
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Bio
manish kumar
Always trying to stretch one step forward
manish kumar
Always trying to stretch one step forward
manish kumar
Always trying to stretch one step forward
manish kumar
Always trying to stretch one step forward
Credentials
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AMFI
AMFIJul, 2003- Nov, 2024 -
CFCS
Association of Certified Financial Crime Specialists - ACFCS -
Certified Financial Crime Specialist
Association of Certified Financial Crime Specialists - ACFCS
Experience
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State Bank of India (California)
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United States
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Banking
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100 - 200 Employee
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First Vice President, Credit
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Nov 2018 - Present
Along side taking care of 'Asset Quality', involved in special projects on CRE and commercial lending, loan origination system and CECL. Along side taking care of 'Asset Quality', involved in special projects on CRE and commercial lending, loan origination system and CECL.
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State Bank of India
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India
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Banking
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700 & Above Employee
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Chief Manager & Credit Analyst
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Dec 2016 - Aug 2018
⦁ Corporate Accounts Group (CAG) in State Bank of India deals with very large corporates/conglomerates with credit exposure of over $100 MM. ⦁ Handled several projects on Credit Appraisal, Risk Analysis and Assessment, Corporate Performance Analysis, Analysis of various financial statements, Ratio Analysis, Security Valuation, Security creation and perfection.⦁ Handled a portfolio of ~$3.5 Billion.⦁ Presentation of projects to Risk Committees and Credit Committees⦁ Development and upgradation of skills of loan officers of the team. Show less
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Chief Manager
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Oct 2013 - Nov 2016
⦁ Supervisory responsibility of credit portfolio of the branch (~US$100 Mn – 43 small to mid size corporate clients) as Head of three Relationship Managers and their respective teams e.g. RM (Medium enterprises), RM (Small Enterprises) and RM (Personal Banking). ⦁ Marketing big ticket credit proposals, conducting meetings with corporate clients, doing additional credit assessment, responsible for credit analysis, appraisal and assessment, analysis of financial statements and ratios, Risk Evaluation. ⦁ Ensuring fast processing of loan applications, maintaining turnaround time to achieve customer satisfaction, chalking out and executing business plan for growth in credit portfolio as well maintaining asset quality. ⦁ Overall supervision of retails loans such as home mortgages, auto loans, other mortgage loans, etc. ⦁ Overseeing International Banking and Trade Finance transactions.⦁ Maintaining relationship with existing clients, especially with corporate clients and their important functionaries and partners like CEOs/CFOs, CPAs, Corporate Secretaries, etc. Ensuring and streamlining credit processes.⦁ Liaising between various credit departments such as SME BU, Sanctioning Committees, Risk Rating Deptt, Documentation and Inspection Cells. Formulation and execution of marketing strategy for new customer acquisition.⦁ Assuming broad range of responsibilities - Achievement of Budget under all major heads and subheads like Deposits, Loans, Other Income, Net Result, Cross Selling. Overall responsible for branch operations like floor management, operations, customer service, branch ambience, HR matters, etc. Show less
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Relationship Manager
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Feb 2012 - Oct 2013
⦁ Responsibility for underwriting and credit administration processes of all commercial credit portfolio size handled – ~US$80 Mn⦁ Responsible for marketing of credit proposals, credit analysis, appraisal, assessment, risk analysis, analysis of financial statements and ratios, disbursement and supervision for maintenance of accounts with high-value credit exposure.⦁ Maintaining relationships with customers and non-customers, different departments within and without Bank, viz. Credit Committees, SME Business Unit, Risk Rating Departments, Law Officers, Internal Auditors, Advocates, Valuers, Lender & Chartered Engineers, Architects, Stock Auditors, Chartered Accountants, Company Secretaries and External Rating Agencies like CRISIL, ICRA, CARE and Brickworks Ratings.⦁ Supervising credit processes such as disbursement of project loans, issuance of ILC, FLC, BG, Buyer’s Credit and Forward Contracts.⦁ Maintenance of credit accounts and ensuring their asset quality by means of periodical inspections, follow up of project under implementation, putting up irregularity/SMA reports to higher authority and drawing up action plan. ⦁ Managing classified credits as per Bank’s guidelines. Show less
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Branch Head
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Sep 2009 - Dec 2011
⦁ Remittances to India, Bangladesh, Nepal, Srilanka, Pakistan, Philippines, GCC countries, Syria, Jordan through tie-ups with SBI, HDFC Bank, top Bangladeshi banks, Western Union and banks of other countries. ⦁ Delivery of complete range of NRI banking services like NRE/NRO/FCNB account opening, investments in mutual funds and insurance products of LIC and SBI Life, opening of DMAT accounts with SBI caps. ⦁ Remittances to India, Bangladesh, Nepal, Srilanka, Pakistan, Philippines, GCC countries, Syria, Jordan through tie-ups with SBI, HDFC Bank, top Bangladeshi banks, Western Union and banks of other countries. ⦁ Delivery of complete range of NRI banking services like NRE/NRO/FCNB account opening, investments in mutual funds and insurance products of LIC and SBI Life, opening of DMAT accounts with SBI caps.
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Education
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2003 - 2005
Indian Institute of Banking and Finance
Banking, Corporate, Finance, and Securities Law -
1991 - 1997
TNB College Bhagalpur
Bachelor of Arts (B.A.), History -
2020 -
Association of Certified Finacial Crime Specialist
CFCS, Finacial Crime -
Association of Certified Financial Crime Analysts
Community
