Port Agent

• Feb 2021 - Present

Administrative Assistant

• Jun 2019 - Present

Seeking challenging Manager roles

• Dec 2013 - May 2019

Credit Manager

• May 2010 - Nov 2013

 JAIIB Certified professional with more than 21 years of experience in Credit Operations in Retail & Corporate Banking and Branch Operations  Expert in monitoring and visiting clients to conduct independent review of credit quality, exposure to ensure compliance with the terms and conditions of legal documents for an assigned portfolio  Expertise in credit monitoring arrangement, development and review of credit and audit policies  Specializes in financial research and understanding the economic backgrounds of bank lending clients  Experienced in analyzing and evaluating costs, operations, budgets and forecast data to determine branch progress towards stated goals and objectives  Proficient in various types of credit appraisals, documentation and effective recoveries  Adroit in assessing historical financial performance, cash flows and projections, comprehend customers’ requirements, and recommend appropriate solutions in respect of lending advances  In-depth knowledge of post-sanction documentation and disbursement procedures, and capable of understanding and tackling practical issues of customers  Adept at maintaining branch security, opening & closing of branch, oversee cash deposit activity, portfolio of branch Show less

Manager Credit

• 2010 - 2013

I have been in charge of the entire credit portfolio of 10 branches, wherein the respective branch managers were reporting to me. The following comprised my functional responsibilities – a) Appraisal of proposals upto INR 77.00 crores (per party maximum exposure as per bank policy) – proposals forwarded by these 10 branches were appraised & scrutinized by me w.r.t. the purpose of the advance, viability of the project, repayment of the advance, security offered (primary / collateral) etc., & if the same should be recommended for sanction b) Issue of Sanction letters – once the above proposals were sanctioned, the relevant sanction letters were issued & signed by me & forwarded to the concerned branches for onward despatch to the borrowers c) Documentation – On completion of documentation by the branches, the same were forwarded to me for vetting / authentication & retention d) Monitoring of the advance – regular follow up was undertaken to ensure that the advance did not slip into a Non-Performing Asset (NPA) category e) Review of the advance – Annual reviews of all advances sanctioned were undertaken so as to ensure that the accounts remained in standard category, all the terms & conditions of sanction were met & there were no weak signs in the accounts f) Audit compliances – checking audit compliances of all the above branches & ensuring that the audit queries have been satisfactorily complied with / answered g) Noting – noting of files & ensuring that the loans sanctioned by the Branch Manager were within his sanctioning powers as prescribed by the Credit policy of the Bank & not in contravention of the same & taking remedial measures, wherever not adhered to. h) Empanelment of Valuers & Architects & Stock Auditors – Ensuring that the current panel of valuers, architects, auditors would suffice. If required, empanel fresh / additional, by scrutinizing eligibility, if they fit the criteria as set by the Bank, negotiating charges, etc. i) Mortgage documents – maint Show less