Ca Rupesh Rathi Email and Phone Number

Credit head for Business Banking segment for Maharashtra and Chhattisgarh state, handling a team of 3 Area Credit Managers, 7 Credit Managers and 7 Credit Officers.Credit underwriting of SME and MSME clients having secured exposure up to Rs.25 Crs and Unsecured business loans up to Rs. 1 Crs.Working closely with Management in order to design strategies and accordingly develop policy and products.Appraisals of various credit proposals, exposure structuring and presenting before various sanctioning authorities.

Profile: Credit appraisal of prospective clients for SME segment (Borrower having turnover upto Rs. 150 Crs) for fund based exposure like Working Capital (Cash Credit/Overdraft) Term Loan/WCTL/FCTL, Packing Credit in Foreign Currency (PCFC), Export Packing Credit etc. and non-fund based exposure like Letter of credit, Bank Guarantee, Buyers Credit, LER etc. Directing risk assessment, internal (including RAM Rating Module) / external credit rating, monitoring credit structure, mitigates & portfolio risk. Pivotal in implementing risk policies & managing wide risks before sanctioning / disbursing the credit, ensuring compliance with organizational credit policies.Member of Zonal Credit Committee (ZCC) having underwriting powers upto exposure of Rs. 5.00 Crs.Presenting proposals to various higher forums (COCC & ECC) for sanctioning for exposure more than Rs. 5 Crs.Handling entire Vidarbha region.Direct reporting to Zonal Credit Manager.

Worked as SEG Senior Credit AnalystCredit Analysis of funding requirements of borrowers having turnover in the range of Rs.1 Crore to Rs.150 Crores and ticket size upto Rs.25 Crores.Appraisal & Processing of Fund Based and Non Fund Based Corporate Banking Products (Cash Credit, Term Loan, LAP, Overdraft, LRD, Bank Guarantee, Letter of Credit).Appraising and analyzing of structured finance proposals.Handling the relationship of the client.Co-ordination for documentations of the proposals.

Credit assessment and financial analysis Scrutiny, analysis and Recommendation of LAP, OD & Unsecured Business loans & PL Cases.Supervise and control team of 3 Credit CPA to strictly follow the process of Pre-screening, CIBIL, Internal & External Dedupe check, FI, RCU, TVR, and CAMs.