Senior Manager
CurrentRich experience in commercial lending. Products include cash credit, LAP, lease rent discounting, export finance, etc.Recommending to approval authority as per authority matrix of the bank while maintaining service levels (TAT) to the customer.Relationship Manager for SME clients involving discussion with key officials of the borrowers, visits to their factory/unit/office locations, understanding & analyzing company's business model, Key Financial Indicators, Fund Flow… Show more Rich experience in commercial lending. Products include cash credit, LAP, lease rent discounting, export finance, etc.Recommending to approval authority as per authority matrix of the bank while maintaining service levels (TAT) to the customer.Relationship Manager for SME clients involving discussion with key officials of the borrowers, visits to their factory/unit/office locations, understanding & analyzing company's business model, Key Financial Indicators, Fund Flow Statement, Present & Future Cash Flows & revenue capabilities by understanding the industry cycle & interacting with key teams in the organisation.Ensuring portfolio quality for the product by regular monitoring of the loan accounts. Thorough understanding of assessment of credit appraisals based on working capital finance for manufacturers/traders, LAP, Lease Rent Discounting, export credit, cash credit limits to traders/dealers/manufacturers/builders/developers.Interacted with customers, suggested suitable loan products, developed relations with them for securing repeat business & ensured quality delivery of products to the customers. Cross selling of other products viz. Insurance, MF, etc.Certified CAIIB from Indian Institute of Banking & Finance. Show less
