Over 6 years’ of experience in the Credit Administration, Business Development, FOREX Management, Client Relationship Management and Trade Services in Banking Industry. Currently employed with xyz Bank , Mumbai as Portfolio Manager (SME Factoring Services). Proficiency in monitoring various credit & FOREX operations and maintaining long-term customer relationships through the provision of high quality service. Adept in managing & leading teams for running successful process operations & experience of developing procedures, service standards for business excellence. Possess excellent interpersonal, communication and organizational skills with proven abilities in training & development, customer relationship management and planning.

Key Result Areas

-Managing various credit operations including appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning loans
-Supervising approval of loan proposals & sanctioning credits after appraising solvency status & verifying documents as well as post sanction follow-up and disbursal of loan.
-Implementing competent strategies with a view to penetrate new accounts and expand existing ones for a wide range of banking products.
-Maintaining agency records, submitting reports and returns to RBI, Z.O. / H.O. for decision-making and compliance purposes.
-Managing interbank & corporate FOREX operations; constant monitoring of the dynamics of FOREX markets to maximise profits.
-Analysing requirements of clients and suggesting suitable services / solutions for their FOREX portfolio ensuring best returns
-Handling discounting of export bills, REBA, disbursing pre-shipment credit, issuing foreign bank guarantees, sanctioning buyer’s credit / supplier’s credit & trade finance activities.

Career Contour

Associated with ABC Bank, as Credit Analyst (SME Factoring Services) since May’06

-Managing credit administration activities including conducting credit appraisals, credit reviews, creating SME FTG credit proposals.
-Monitoring adequate utilization of SME factoring facility accounts; maximizing revenue and extending post-sales support

Accomplishments

-Successfully exceeded revenue targets by over 15 % for the period ending March, 2007
-Efficiently managing a portfolio of around 40 SME clients with a total asset size of INR 2000M approximately

ABC Bank Factoring Services, Bangalore as an Officer from Mar’01 –April ’06

Handling various assignments like factoring operations both domestic and export, credit appraisal, assessment of working capital limits, following up and monitoring of loan accounts by conducting mid-term reviews etc. at corporate office, Bangalore.

Education

CAIIB - Indian Institute of Banking & Finance -2006
Diploma in Export & Import Management - FTDC, New Delhi -   2001
P.G. Diploma in Treasury & FOREX Management -ICFAI, Hyderabad  -2001
Master of Financial Management (MFM) l University, -    2000
B.Sc. (Mathematics)   - University  -   1998