• Business development for Gujarat zone.• Branch administration.• Execution of documents and creation of security.• Collection of receivables.

Faculty at State Bank Institute of Credit and Risk Management• Faculty in credit for foundation, middle and advanced level catering to new recruits and experienced professionals. Conducted 750 offline lectures and 100 online sessions.• Lectures/sessions include pre-sanction and post-sanction topics, preparing manuals, study materials, question papers, video lessons for certification courses.• Superannuated from SBI in June 2021.

• Lead banker in a few consortium accounts.• Handled various corporate accounts with large exposures.• Accounts include sole banking/bilateral lending, multiple banking and consortium accounts.

• Convening and heading risk committee meetings regarding maturity mismatch, interest rate sensitivity monitoring, derivatives report, liquidity report and own house exposure.• Preparation of quarterly report on risk bearing ability.• Final verification of credit risk assessment done by credit department for loans, syndication and bank guarantee portfolio.• Liaising with statutory auditors for smooth conduct of audits and annual closing.• Identifying and resolving all risks of the branch including market price risk, operational risk and liquidity risk as well as further development and ongoing calculations of the risk bearing ability of the branch.• Risk mitigation analysis for and leading staff on these issues.• Monitoring of various exposure limits viz. Republic of India, bank exposure limits and any other regulatory issues.• Guidance and monitoring money market operations i.e. Chief Dealer.• Constantly on a lookout opportunities to reduce cost of funds from other financial institutions including our central treasury in London.

• Credit risk identification of large commercial and infrastructure projects mostly on Public-Private Partnership.• Negotiation of key terms with clients like pricing, debt-equity ratio and credit enhancements.• Due diligence of the projects and guiding a management trainee• Obtaining required approvals from competent authorities.• Ensuring compliance of pre-commitment and pre-disbursement conditions.• Disbursement of funds on need basis and monitoring project implementation.• Finalization and execution of facility agreements, loan conditions and other related documents with close coordination of legal counsels.• Control remains with PFSBU until project achieves commercial operation date.

• General banking including agricultural banking, remittances and foreign exchange.• Appraisal & monitoring of large corporate finance, risk analysis & mitigation, credit risk assessment, and management of regulatory audits. • Monitoring & disbursal of large corporate loans/finance. • As the branch head, exposure to retail financing, branch administration (medium sized branch – 20 employees including officers) and large recovery of stressed assets. • Implemented RTGS system (Real Time Gross Settlement) and exposure in mid-office.

While working in Credit department in State Bank of Saurashtra , and in my present assignment , I had the opportunity to appraise large projects and also working capital requirements of corporates and putting up proposals to the sanctioning authority , presenting the proposals before the credit sanctioning committees , handling all their queries and getting the loan sanctioned/ our approach approved .