Kumar Prakash Email & Phone Number

New Delhi, Dl, In

New Delhi, Delhi, India

Kolkata, West Bengal, India

Looking after Corporate Advance

Bahraich, Uttar Pradesh, India

I was posted in Regional Office managing Credit, Planning & Development and Inspection Deptt of 55 branches under our Zone. My role & responsibilities are:1.Management and supervision of Credit, Finance and Planning & Development departments.2.Follow up of all branches under Zonal office to ensure achievement all the allotted credit and finance targets.3.Ensuring Credit appraisal of loan proposals (funded & non funded) of big companies/ SME and In depth analysis of proposal and its risk parameters for both short and long term borrowings by interpretation of FinancialStatement, Business Model, Working Capital Cycles, credit risk and its mitigants, SWOT analysis of proposed borrower under Circulars and prescribed guidelines of our bank.4.Finalizing on final board notes and answering the queries of management on the proposal5.Preparing MIS relating to Credit/ Advances required by Zone /FGM Office/Head Office for monitoring of Advances.6.Pre-sanction and post sanction visit of project sites on behalf of Zonal Office.7.Sincere & affable team player: Strong analytical skills & effective people management skills to take on leadership role across verticals. 8.Strong relationship & communication skills, Sound financial domain knowledge: Strategic financial planner with hands-on exposure of handling both Funded and Non funded business – experience of working in both Central Government Co. as well as in Private sector. 9.Rich experience in varied fields of Financial Services: Banking, Credit Analysis.

Ranchi Area, India

Looking after credit portfolio of 84 branches under our zone from mobilisation to post sanction monitoring

Kolkata Area, India

 Responsible for handling the Branch with business of Rs 100 crores Credit appraisal of fresh loan proposals (funded & non funded) of big companies and entities ( mainly 30 Crore and above) within a fixed timeline To manage fresh limits, enhancements, renewals and interim approvals for party’s limits To manage draw downs, disbursement as per sanction terms keeping in track progress of project based CA Certificate and regular visit to project site. To monitor repayments, performance of company accounts and ensure timely repayments and reduction of over dues

Kolkata Area, India

Responsible to have a check over internal control & the whole flow of the organistion, as the organization is a NBFC involved into leasing and financing business. Audit of MSME Loan, by analyzing the balancesheet & P/L through studies of Performance parameters such as ratios, viability of facts stated, Future outlook deviations from general & specific policies along with their mitigants & thus, keep a check over the work of credit analyst. To audit files relating to finance of Cars, Commercial Vehicles & Construction equipments, so as to ensure that organization protocols & controls have been looked into before giving clearance to loans. On site audit of different branches spread all over India check quality of credit disbursed & control over the activities of branches. Field investigation to measure level of risk of different types of fundings by direct interaction with clients

Kolkata Area, India

 Preparation of portfolio valuations and maintenance of the underlying accounting records for assigned funds (including domestic offshore, mutual funds, hedge funds, partnerships, etc.); Review of reconciliations of brokerage and custodian accounts to underlying records; Analysing the reasons for variances in prices of securities in portfolio on day to day basis & confirming it through sources like Bloomberg. If corporate actions not incorporated in Geneva software, escalating it to MDG. Analysing variances in NAV of different Hedge funds in comparison to variances in indexes of various stock exchanges on weekly basis. Pricing of securities, price variance and tolerance checks, maintenance of accounts of each fund under process.  Reconciliation of NAV of Hedge funds to find out quality of pricing of securities done by administrators &Control over it.  MIS, Fund analysis and reporting Resource planning for training and go-live of Funds Interaction with SMEs from Jurisdiction. Actively participating in CQI projects, time management and applying Best business practices.

Advanced Programme On Strategic Management For Senior Executives

Chartered Accountant, Accounting And Finance