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.
• 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.

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.
• 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.
• 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).

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