Pankaj Kumar Email & Phone Number

Mumbai, Maharashtra, India

Mumbai, Maharashtra, India

Mumbai, Maharashtra, India

Vice President: Corporate credit

Corporate Credit Risk Management Group, Bkc, Mumbai

Present job profile includes the following key responsibilities: •Team Leader (Credit Risk Assessment and Rating) (team size 5): Key highlights of the profile are:o Evaluation, analysis, advising structuring of credit proposals and risk recommendation to enable the sanctioning authority to take decision on proposed facilities. Also advising on risk mitigants in the proposed facilities. o Assignment of internal rating for the borrowers. o Preparation and validation of financial models, handling Consortium Accounts & Syndication meetings and assessment of the credit facilities as a consortium leader.o Assessment of the manufacturing and technical capabilities by plant inspections.o Assessment of various type of facilities including green field large sized projects. o Analysts in the team are of Manager level from premium B Schools or CAs.• Participation in Sanctioning Committee: Highlighting the risk associated in credit proposals as representative of Risk Management Group in the sanctioning forum/committee. • Overall monitoring of the portfolio from early warning signals to periodic and event analysis to maintain asset quality and periodic reporting to the Senior Management.

Ludhiana Area, India

Role :Sep’ 2007 to May 2009 Credit Manager, SME center, LudhianaMay 2009 to Dec’ 2010 Senior Manager, Credit Management Center, LudhianaHighlights:•Management of post sanction credit formalities/operations of three branches of Ludhiana with a team of three. •Credit documentation after sanction, handling trade finance operations viz opening of LCs, bill purchase, BGs, ROC charge, TUFs claims etc.•Operations, Monitoring and reporting of more than 200 accounts including disbursements, calculation of drawing power, ensuring sanction terms and conditions.•Relationship management with the credit clients. •Upgraded the audit rating of the credit management center to A category. •As credit manager in SME center Ludhiana, sourced 16 new SME clients with average ticket size of 50 lacs, appraised their proposals and got it sanctioned. Achieved target of both fee income and disbursement.

Mumbai And Delhi

Role:Jan’ 2001 to Jan’ 2003 Probationary officer Kolshet Branch, Thane and Circle office Mumbai NorthJan’ 2003 to June 2005 Officer, Advances Section, Circle office, Mumbai North.June 2005 to Sep’2007 Officer and Manager, Core Credit Group, Circle office, Delhi Highlights:•Processed credit proposals (SMEs and Large Corporates) received from clients, through various branches of Canara Bank coming under the jurisdiction of Delhi/Mumbai North Circle Office and recommending to sanctioning authorities. •Handled 40-45 accounts at a time. Conducted regular review of the accounts and recommended for enhancement/reduction.•Handled proposals for Working Capital, Term Loans & Various Retail Loans.•Done analysis of balance sheet, prepared CMA, analyzed ratio/ trends and enabled decision making for sanctioning authorities.•Done risk rating based on CRISIL RAM (Risk Assessment Model).•Close monitoring of the accounts based on information available from all sources.•Ensured that all the guidelines of the Bank and the Regulator are complied with.•During probation period worked in various departments of the bank like branch operations, Management Information and Planning, Forex operations and Advances.Projects and Training•Participated in programme on "Competitive Strategies for Bank Marketing" at NIBM (National Institute of Bank Management), Pune on behalf of Canra Bank.•Nominated for Intensive Credit Training in Canara Bank staff training College, Banglore imparting all aspects of credit appraisal and monitoring.•Nominated for Risk Management training in 2005 and 2006 at staff training college Delhi.

Mba, 1

One of the oldest MBA institute in India established in 1973 a constituent unit of B R Ambedkar Bihar University, Muzaffarpur, Bihar.

Bachelor Of Laws (Llb), International Business, Trade, And Tax Law

Education record