Gr Prasad Email & Phone Number

Bengaluru Area, India

In charge of the entire PAN India as (DGM) Credit Monitoring & Review Department under which 46 + Regional Offices with 3500 + branches report to me.Credit Head proposals of large size irrespective of its size of various sector viz. Infrastructure funding, NHAI, Airports, Power Construction Finance ( Reality Business ) for Builders, Inventory & Trade Advance for Dealers of Automobile / Construction Equipment / Commercial Vehicles / Heavy Industrial units viz Coal ,Iron, Steel etc.Achievement of Financial Inclusion as the Government Directives.Initiating Business Strategies in tune with Corporate Board.Development of Human Recourses and grooming younger generation to take up higher responsibilities in the bank.Expanding business in lucrative areas of the Region / State by opening up of new branches.Guiding & effective functioning of RUDSETI for the development and creating employment opportunities for rural / semi urban youths.Coordinating with other banks in consortium advances for business development etc.

Kolkata Area, India

Assistant General Manager – Heading Industrial Finance Branch, Bangalore.Credit Administration -- Management Appraisal -- Trend Analysis -- Risk Evaluation Project Appraisals Covering SWOT Analysis -- Assessment Of Term Loan & Working CapitalTesting For DCF-BEP- IRR- DSCR- NPV DiscountingSensitivity Analysis--Risk Management--Cash Management – Liquidity ManagementStrategy Planning--Capital Assessment – Corporate Credit MarketingProject Feasibility Study--Project Viability Study--Valuation Analysis-Internal And External Rating analysis-Branch Management.Role and responsibilities:The process broadly covers analysis of financialstatements including ratio analysis, Managementappraisal, study on demand supply gap, Industryscenario, inter corporate scenario, Trend analysis andRisk evaluation. Project appraisals covering SWOTanalysis, Assessment of Term loan & Working capital,Testing for DCF,BEP, IRR, DSCR, NPV discounting,Sensitivity analysis, Banks Exposure norms forspecific Trade / Industry and etc. Followed by postsanction monitoring.Handling extensive credit proposals of large sizeirrespective of its size of various sector viz. Steelpaper, it industry, NBFC’s, public sector undertakings.Priority sectors advances like agricultural /indirectagricultural and MSME etc.Coordinating with other banks in consortiumadvances for business development etc.Staff related matter, planning & development,inspection and staff accountability matter etc.Managing people:As a Senior Bank Executive the success lies in managing people who include both clientele and colleagues. During last 28 years, all the assignments undertaken for the bank, interalia, involved in managing people.

Bachelor Of Engineering (Be), Electrical And Electronics Engineering, First Class With Distinction

Diploma In Sales And Marketing Management, Sales And Marketing