Anshu Ghosh Email and Phone Number

Branch Head of one of the VLB Branches of Union Bank of India in Kolkata city handling varied portfolio ranging from MSME, Retail, Govt Business, CASA and Export Finance.

Key Roles• Posted at Head Office, Mumbai of Union Bank of India.• Responsible for Credit underwriting, monitoring and control for lending proposals in the SME segment. Possess the ability to deliver independent credit decisions in a voluminous environment within tight deadlines.• Continuously having an overview of industry status, understanding of working capital cycle, trade cycle, asset products, business models, quality of management etc. • Adherance to product profile, compliance and operational risk controls in accordance with Bank and regulatory standards, policies and practices; report control weaknesses, compliance breaches and operational loss events.• Regularly interacting with the originators of the credit proposals to provide inputs/suggestions on the changes in the facility and/or security structure within the product design to achieve the most efficient risk-reward profile for the asset, seek necessary clarifications so that the process is objective & complete in terms of information content and is consistent with Bank’s credit policy & lending guidelines, procedures and controls.• As special assignment of the Bank, acted as Transformation Leader for Implementation of a revamped work model under Utkarsh (Transformation Project) at selected branches of the Bank by enabling the branch staff to provide better customer experience, process efficiency by way of regular training and workshop.

Key Roles• Posted at Mughalsarai Branch, Uttar Pradesh and handling the credit portfolio of the branch along with the credit team under the guidance of the Branch Manager. • Involved in Underwriting/ Credit appraisal of high value corporate clients/ new connections involving assessment of LOC (Fund Based/ Non Fund Based), due diligence, risk based appraisal & risk based scoring apart from scrutinizing & vetting of credit appraisal reports prepared by lower level underwriters.• Monitoring of corporate accounts by utilizing various monitoring tools like quarterly inspections, stock audit, external credit rating, credit process audit, internal audit compliance to detect early signs of sickness. • Submission of Monitoring reports, New sanction/Renewal report (M-27), TOD reports, CGTMSE subsidy claims to the competent authority on a regular basis. • Acted as Credit Process Audit Officer for high value accounts - an essential pre disbursement tool in advance accounts. • Devising Relationship building Drives– Credit Camps, MSME Cluster Schemes, Retail Loan Camps, Customer Meets to spread awareness about various new banking products and technology. • Active involvement in helping the Bank to reach to the unbanked population by opening Basic Savings Account under PM Jan Dhan Yojana.

Key Roles• Posted at Strand Road Branch Kolkata & handled all credit related matters of the Branch. • Was involved in Underwriting/ Credit appraisal for MSME & Mid Corporate various industries like aluminium, polypropylene plastic, iron, services (engineering & fabrication) & various trading activities (iron & steel, machine tools, rice mill machineries etc) • Assessment of line of credit– both Fund Based (CC, TL, WCTL, LAP, Rent Securitization) & Non Fund Based (LG, LC,) on the basis of financial analysis, techno-economic feasibility report study through bank approved methods (Turnover method, FBF etc)• Was also involved in appraisal and assessment of retail loan proposals which includes identifying the probable borrowers from exiting corporate borrowers, targeting new customers, assessing the eligibility as per their income, proper adherence to KYC and due diligence norms, documentation, disbursement, monitoring and cross-selling of third party products like insurance and mutual funds. • Handled various credit risk mitigation tools like internal credit risk rating/ scoring model, risk based pricing & CIBIL reports.• Adhered to internal control systems, audit procedures & policy compliance of UBI so as to manage operational risk associated with the account.