Pawan Kumar Sharma Email & Phone Number

Jodhpur, Rajasthan, India

 Acquisition of Assets business secured and unsecured working capital finance. Income generations through collection of fee, cross sells like insurances, opening of CAsA etc. Strategy planning & implementation of actions for sourcing of Quality business. Work closely with branch banking teams and relationship teams for new customer additions. Evaluate the credit proposal of Business banking & SME business (Unsecured & secured Small/large ticket size), Agri & MSME corporate through incisive financial statement analysis, industry performance, economic analysis, management quality. Recommend/reject loans of borrowers in accordance with Bank’s credit policy Formulate appropriate lending structures after ensuring that they are consistent with borrower’s requirement, underlying risk trends and bank’s risk appetite & credit policy guidelines Ensure adherence to the credit policy and RBI guidelines & Responsible for accuracy of Internal Risk Ratings Post disbursement Monitoring & servicing, customer grievances resolution / Coordinating with customers for Review / Renewal in time, Resolutions of NPA/A3/A2 accounts and resolve the PNPA cases before provisioning, Regularization of Adhoc / Excess Advances, LPS etc. Coordination with the legal advisors for filing of cases under Sec 138, civil suit, SARFAESI Act. Follow the Process Compliance, audit and closure of irregularities/ Portfolio Quality. Arranging for product development and promotional activity and events for brand and product awareness  Conduct market research and surveys to keep pace with the changing market trends and competitor moves. Achieve business targets in the designated territory.

Jodhpur, Rajasthan, India

 Acquisition of new to bank customers as well as servicing to existing portfolio base. Fee income collection & cross sells of all assets and liabilities products. In FY20-21, I have given opportunity of special responsibility of delinquency and recovery management for entire Rajasthan during COVID Phase, My responsibility was moratorium request processing on genuine need basis, resolution through restructuring wherever required. close watch on problematic accounts through analysis of performance report or banking history and client discussion routine basis. Strategy planning & implementation of actions for sourcing of Quality business. Evaluate credit proposal of Business banking & SME business (Unsecured & secured Small/large ticket size) Ensure adherence to the credit policy and RBI guidelines & Responsible for accuracy of Internal Risk Ratings Post disbursement Monitoring & servicing, Irregularities and NPA resolutions. Channel Management, Performance achievement, Team reviews etc.

Jodhpur, Rajasthan, India

 Perform services in priority sector advances in Agri and allied activity in (CC/OD limit accounts, Term loan). I was handling and coordinating with the team of 4 Relationship Managers and 1 CSO at Jodhpur territory. Sourcing of fresh business for retail agriculture proposals and corporate loans in agriculture sector.  Appraisal & technical analysis of Credit Proposals related to Agri Business. Coordination with credit & risk department for sanctioning the proposals.  Sanctioning of adequate credit limits to the deserving cases and completion of their disbursement. Customer relationship management of existing customers, monitoring business performance, frequently visit of business place, resolution of query/complaints from customers within TAT. Retain our existing customers and maintain the renewal of all accounts before expiry.  Monitor the portfolio and NTB cases for achievement of fee target and increase the average ROI. Follow the process compliance, audit and maintain portfolio quality.  Guiding and supporting the Agri officers at the branch for the efficient and timely output.

Gurugram, Haryana, India

 SME (Small and Medium Enterprises) ratings to assess their operating performance and financial health. Ratio Analysis of firm’s balance sheets, profit & loss account for Small & Medium Enterprises, prepare the credit memo for rating.  Credit appraisal report writing covering all type of risks for SME’s & working capital analysis. Collating various risk involved in a case after rigorous analysis on the industry, past performance of the company, peers performance and then sensitizing the future shape of the company Meeting the management of the company to be rated and understanding their business model and various strategies to mitigate various industry, business, liquidity and related risks Responsible for interacting with Auditors and Bankers and accordingly analyze the creditworthiness of the client Resolving client conflicts on data requirement, analysis, interpretation and the rating assigned. Ensuring the analytical level and adhering to the timelines set by the management Analysis of financial statements of SMEs (Balance sheet, Profit & Loss Account, Cash Flow, Credit and Risk Ratios Analysis , debt servicing capability, cash conversion, liquidity & leverage analysis, working capital analysis, profitability analysis, etc.  Credit Appraisal of SME for State Financial Corporations Performing due diligence/dealer evaluation involving plant visits (travelled across India states Rajasthan, Punjab, Uttrakhand and UP, I have done over 1000 factory visits and report writing) Associate Rating: Preparing rating reports involved overall risk assessment of a company‘s business model based on various risk parameters like Industry, Business, Management and Financial risk and comparison of the same with well-established medians and benchmarks.

Mba - Pgp - Pgdm ( Finance ), Management ( Finance )

Bachelor Of Business Administration ( Finance ), Management