• Result-driven professional offering over 11 years of experience.• As branch Head managing both asset as well as liability part of branch business, generation of new business leads and conversion, customer relationship, customers meet, cross selling, third party products selling. • As credit manager and effectively managed branch credit operations.• Analysis of client's financial statements and credit history to better understand credit risk.• Financial and technical appraisal of proposals for deriving need-based funding.• Analysis of Commercial, Retail and Corporate proposals based upon internal and external credit policies and guidelines.• Analysis and Underwriting of SME and Corporate proposals.• Understanding policies issued by the organization and regulators from time to time.• Understanding internal and external credit rating reports for exercising credit judgment and derive at risk-based pricing.• Exercise credit judgment and knowledge to perform credit evaluation and decision making.• Post sanction procedures and legal documentation required for loans and advances.• Monitoring of asset portfolio and take preventive measures to avoid slippage of assets to non-performing.• Addressing client queries & grievances and coordinating with all concerned departments in order to resolve all queries within turnaround time.