Satheesh E Email & Phone Number

Chennai, Tamil Nadu, India

Risk Officer of a zone which comprises of 350+ branches involved in identifying, assessing, and mitigating financial and operational risks. Expertise in implementing risk management strategies that optimize business performance while ensuring compliance with regulatory requirements. Skilled in risk analysis, internal controls, and crisis management. Role includes as below *Monitor, report and review Key Risk Indicators of the Bank.* Ensuring business continuity plan for the zone (BCP)*Facilitate the Risk & Control Self-Assessment process(RCSA).*Vet internal policies of the Bank's domestic as well as overseas operations.* Credit Rating approval for accounts having limit with 7.50 Crores in platform developed by CRISIL * review of Operational Risk policies and manuals.* Monitoring of alerts of Enterprise Fraud Risk Management Portal for timely avertion of Frauds within the bank

Chennai, Tamil Nadu, India

Heading a branch which has a business of around 115 crores with 50 crores of advances and 65 crores of deposits. The branch has a varied clientele base ranging from small MSME clients to big firms who have yearly turnover of more than 75 crores. The branch also caters to a large base of HNI's to whom wealth management services and Retail loans are provided. My work including sanctioning of credit proposals Loan size: Varied from Rs. 5.00 lakhs to Rs. 70.00 Lakhs (average size was Rs. 35 lakhs)Loans processed/sanctioned : Retail Loans and MSME LoansMy duties included :1) Sanctioning of credit proposals by analyzing the financial statements of the firm.2) Carrying out inspection of factory/office/collateral/warehouse etc. of the borrower in regular intervals.3) Performing credit rating of the Borrower as well as the facilities requested by the borrower.Based on rating(perceived risk), negotiate the terms and conditions of the facilities such as exposure, pricing, additional collateral etc.4) Liaison with panel engineers, advocates , other specialists to obtain their reports and interacting with various government departments for implementing government schemes.5) Monitoring the entire credit portfolio on a regular basis to identify stressed assets and chalk out plans to revive them to normalcy.6) Recovery of NPA's through filing cases in DRT, implementing SARFAESI, conducting Lok Adalats and preparing compromise proposals.7) Reviewing/appraising the credit facilities such as such as Guarantees, Cash Credit, Overdraft, Term Loans etc. annually.8) To manage junior officers and clerical staff reporting to me

Greater Chennai Area

Headed Credit Monitoring Department in Regional Office .i.e 75 branches under the region including risk Management of the Region and monitoring of accounts under various parameters for any stress in their business/AccountsJob Role included1) Analysing Above 1.00 Crs accounts for early warning signals through Monthly Monitoring Reports.2) Discussing resolution plans for stressed assets 3) Following up with the branches for timely review of accounts as per regulatory guidelines

Chennai Area, India

I started my Banking career here. It was a small branch and the clients were mostly small and Marginal farmers and we also catered to small/Medium SME start ups average size of Rs. 25.00 lacs. Majority of loans were Agri-based loans and there were a few retail loans as well. It was a good way to learn the basics of Banking/lending. My duties included :Credit Monitoring -Recovery - through filing of cases in DRT, through SARFAESI , Compomise etc.Credit appraisal - Preparing appraisal notes for Agri Loans, small SME loans, small retail loans

Master Of Business Administration (M.B.A.), Finance And Systems

Bachelor’S Degree, Computer Science And Engineering