Saurabh Singh Email and Phone Number

• Conceptualized and Operated an Indian Restaurant as an owner, named Kathmandu Dhaba at Baluwatar.• Through robust personal relationships, and business acumen, successfully ran the restaurant with profit from the very first month of operation.• Established and developed cordial and professional relationships with various vendors pertaining to the industry, media persons for marketing and growth of the company.

• Prepared and established credit processing guidelines to streamline the credit approval process in terms of policies and operational procedures.• Developed/(revision) Product Paper guidelines in line with risk mitigation, NRB guidelines and other prevailing laws.• Established monitoring and updating timelines/procedures of credit policies, criterions of identifying discrepancies and variances, ensuring transaction and collateral security are within approved guidelines, covenant, and financial compliance of the transaction/borrower. • Developed risk management standards, procedures and ensuring compliance of the same. • Set up risk minimization tools for portfolio management. • Training/coaching of all loan and recovery staff• Developed procedural guidelines for the following in terms of compliance related issues:- Routine monitoring of loans for compliance with approved terms. - Strictly adherence of credit policy and guidelines. - Monitoring the portfolio asset quality on an ongoing basis. - Compliance with the Nepal Rastra Bank Directives at all times

Credit Risk Management• Review loan proposals to assign risk grading and ensure turnaround time is met consistently.• Identify Early Warning Signals (EWS) and escalates the same to the higher up for prompt action thereon.• Development of standard MIS returns and Portfolio Management system for review and analysis. • Prepare and implement Internal Risk Rating Guidelines, Risk Management Framework and Risk Management Policy.• Revisiting Credit Policy Guidelines (CPG) and Credit Operation Manuals (COM) to incorporate risk management framework• Regular monitoring and review of the quality of credit, both at the account level and portfolio level.• Ensure strict adherence to the prudential guidelines of NRB.• Conduct periodic stress tests in various credit risk exposures of the Bank.• Review of credit portfolio covering exception reports, concentration of risk in terms of sector, product, borrower, maturity, risk category etc.• Monitoring of credit portfolio for calculation of capital adequacy ratio.• Monitoring of productive sector and deprived sector lending to regulatory requirement • To provide support and training to staff to build credit risk awareness within the Bank.Market/Liquidity/Forex Risk ManagementRisk Management in the monitoring and analysis of various reports pertaining to Market and Liquidity Risks and in conducting periodic stress tests on various liquidity profiles.

Job Purpose• Plan, direct, coordinate, control and maintain Consumer Credit related activities and ensure effective and profitable management of the Credit portfolio of the Bank.Supervise and Maintain• Supervise the development and implementation of credit control procedures ensuring a strong credit culture.• Ensure effective credit controls of branches and the bank.• Establish and maintain appropriate systems for measuring necessary aspects of credit management. • Monitor and raise credit issues, improvement plan at MANCOM in order to find out ways for further improvements. • Ensure timely processing of credit related issues routed from all relationship/branches.• Ensure timely reporting to NRB, Board, CEO and Management as required on all credit, relationship and other issues, e.g. Loan Loss Provisioning, Sectorial Reports, Single Obligor, etc.Training• Conduct trainings related to Credit and Relationship Management to ensure proper understanding of credit/risk management of the portfolio and to improve the assessment qualities of relationship team.Analyze and DevelopAuthorities• Authority to intervene in situations, transactions etc. where there are reasonable grounds to believe that without such intervention a material breach of regulations will occur, or that the reputation of the Bank will be in risk. • Access to all credit related documents.• Authority to approve credit applications.• Access to all members of the senior management team.• Authority to decide increase or decrease of required credit documents by analyzing the trend of the market.• Member of MANCOM• Member of Credit Risk Management Committee• Member of the Bank’s Asset & Liability Management Committee (ALCO)Communicate and coordinate• Ensure that employees are well informed of policies, procedures, and regulations. Facilitate consistency at all levels.• Advise RMs/ARMs/MOs of branches regarding corporate credit loans.

Job Purpose:1. Assist Manager Credit – CB in managing the Credit Risk in the Consumer Banking and contain credit loss within business approved norms and in line with best market practices.2. Assist the MC – CB in ensuring quality of the credit portfolio is maintained within acceptable parameters i.e. compliant with Group Credit Policy, Underwriting Standards and Business strategy.3. To build & implement strong MIS, Analytics & Reporting capabilities for CB Credit Risk both for aggregation and business level monitoring and review.Key Responsibilities:1. Credit Analysis• Develop a standard MIS & Portfolio Monitoring system for CB Credit. • Review, Analyze and recommend portfolio / policy actions where required. • Preparation of periodic CB – MIS and all other mandatory returns for the Bank within the stipulated deadlines and circulate to Group Credit, Regional Credit Officer, and to Business and other units within the Bank. Submit various portfolio related information required for monthly Credit Policy/PMC Meeting.• Assist & work with Country CB in upgrading analytics capabilities. • Liaise with various group points in the preparation & development of key MIS requirements.2. Credit Process and Policy: • Support the growth agenda of the business and participate constructively and proactively in furthering the execution of the marketing and distribution plans.• Ensure adherence to PDD and other credit policies.• Assist MC/CB and the Business in the timely submission of PDD’s.• Based on various exception reports available ensure control over portfolio quality.• Support CB Credit in reviewing/approving loan applications and arriving to a Credit Decision in a timely manner• Liaise with Business units in correlating new Ideas and Innovation in further enhancing CB – Products.• Assist in preparing Fit For Growth (FFG) document and review the performance accordingly.• To support Recovery functions of the Consumer Bank as and when required.

• Worked as a home mortgage loan underwriter for the high profile Private Banking clients of Bank of America.• Analyzed and accessed every client’s relationship with the bank.• Established and maintained professional relationships with Banking center managers, Client relationship and portfolio managers, senior market managers in cities of California, Texas, North Carolina, Colorado, Illinois, and other states.• Closely worked with the sales team and field loan officers in assisting them in determining the right loan product.• Reviewed complex individual, business and corporate tax returns, certified P&L statements, asset and investments statements, W2’s/paystubs etc., and determined the financial capacities of various clients.• Reviewed and analyzed property valuation reports (complex appraisal reports), flood zone, hurricane and earthquake zone reports in compliance with the Bank’s guidelines for the properties’ future marketability to government funded investment companies such as Fannie May and Freddie Mac.• Worked on initial approvals/declines of application in a fast paced streamlined work environment with work volume that averaged 50 client files a day and also worked on resubmissions and final loan approvals of client files which aggregated in an average of at least 70 a day.• Achieved an authority of approving up to a total of $650,000.00 per loan application as a Credit Signer. Anything beyond that needed a Credit manager’s second signature.

• Worked for the Corporate Relocation department as a sales officer and processor.• Communicated with corporate transferees, assessed their financial needs and discussed and sold different mortgage loan products.• Analyzed an applicant’s credit worthiness, income and debt ratios, liquid asset valuation and took loan application, quoted interests rates per the mortgage program. • Worked with company guidelines and parameters while quoting and selling loan products.• Worked in a multi-faceted, high volume, streamlined work environment with clients, coworkers and business affiliates ranging from Real Estate agents, surveyors and field appraisers, in-house and corporate underwriters, Title/Escrow companies, loan settlement attorneys and numerous others.