- Manage multi-sector portfolio of large conglomerate clients mainly of manufacturing, commodity distributors and trading companies ( soft commodity, coal, fertilizer) predominately in Middle East and Asia.- Performed timely credit reviews on corporations to assess financial conditions.- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.- Made decisions and recommendations about extending lines of credit.- Conducted presentations to upper management and executive teams for loan recommendations.- Reviewed customer files on regular basis to make sure receivables were in sound condition.- Delivered exceptional level of service to each customer by listening to concerns and answering questions.- Undertake timely Customer Due Diligence (CDD) review by adhering to group internal controls and government regulations.- Quarterly reviewing adherence to internal audit comments.- Monitored and reported budgetary discrepancies to corporate senior management to maximize reporting efficiencies.

- Responsible for managing portfolio of large and mid corporate banking clients.- Liaising with existing clients and maintaining relationships, assessing and monitoring credit portfolio and ensuring excellent operation service delivery to clients.- Undertaking and spreading of financial statements and prepare credit proposals for all accounts within portfolio under management.- Undertake regular reviews and ensure timely submission of all applications to Credit Committee.- On-site customer visits with RM to understand business and proposed funding requirement prior to renewal of facilities.- Manage on-going risk through monitoring of covenants and conditions.- Be first point of contact for clients operational and service related queries.- Served customers and followed outlined steps of service.

- Perform overall responsibilities include detail analysis of funding proposals based on banks prudential regulations and other legal requirements. - Monitored assigned portfolio quality in terms of margin position and approved terms. - Prepared industry research reports as assigned by supervisor. - Compiled, input and analyzed financial data to assess current situations and forecast trends.

- Prepared Techno Economic Viability report focusing on financial viability of project for long term loan proposal of Allahabad Bank and Dena Bank.- Executed 20 feasibility report reports aggregating Rs. 100 crores across aforementioned industries - Automobile, Entertainment, Manufacturing, Construction, Contracting and Hospitality.- Conducted internal credit rating of companies seeking term loan from Allahabad Bank.- Prepared professional business correspondence on behalf of Branch manager to obtain information and facilitate processing steps.

- Prepared credit/loan proposal notes for clients involving financial, credit, economic and risk analysis to present it to bank for putting up funding requests.- Prepared CMA data, projections and project reports.- Handled funding related queries raised by bank, financial institutions by effectively liaising between client and bank.- Executed pre and post facility approval activities including preparation of project report, appraisal notes, term sheets inline with loan approved terms.

- Analyzed the company’s financing needs and worked with the team for raising capital - Prepared Term Sheet and compilation of Board note in respective banks formats - Drafted parts of Information Memorandum for various ongoing projects - Closely worked with VP for raising fund amounting to Rs. 40 crores from Indian Bank as part of funding for Ongoing Steel Project