Mumbai, Maharashtra, India
A qualified professional with 18+ years of experience in Corporate Banking. Worked in various profile viz. Credit Analysis, Credit Administration & Monitoring; etc. Sound Knowledge of Core banking Softwares viz. Finacle and Flexcube; An effective communicator with good presentation & reporting skills; Strong analytical and problem solving skills including taking initiative to drive change. In-depth understanding of processes and systems of corporate banking knowledge of RBI guidelines and statutory obligations; Thorough knowledge of risk management and credit administration procedures; Excellent people management, interpersonal and communication skills .
Central Project team who support CIB to manage efficiency, productivity and process Improvement
CRC/IMO - Loan documentation Actively involved in Sanction Letter issuance, loan and security documentation. Reviewing valuation report, mortgage creation, charge registration with ROC & CERSAI, deferral management, maintaining various MIS e.g. recording approvals, issuing AOD, from clients; Authoriser of Security Compliance Certificate to Limit loading team. Authoriser for bank's internal document tracking system. Involved in process improvement projects - AOD issuance Training to internal team members; Identifying and hiring right talent for the team;
Managing a team to service external customers of the Bank; Liaising with various internal customers with effective time and people management; Oversee various functions of the team such as Sanction Letter issuance, loan and security document execution (including renewal & enhancement), valuation, mortgage creation, charge registration, disbursement, deferral management, maintaining various MIS e.g. recording approvals, follow up for closure of pending documentation formalities(deferrals), seeking AOD, EUC, UFCE, Stock Statements, etc. from clients; Have set up robust follow up mechanism to ensure pending compliance of terms of sanctions/ covenants is completed within the approved timelines; Consulting with internal and external legal team for non-standard documentation to expedite the documentation formalities of the Bank’s clients; Conduct trainings for team members and client’s relationship team on documentation to improve efficiency; Conducting fortnightly review meeting with stakeholders to ensure business continuity by managing critical deliverables within timeline by ensuring optimum resources; Key responsibilities include managing Very Large Corporates and Financial & Institutional Group at Kotak Mahindra bank; Authorized signatory of the Bank for document execution, mortgage creation, etc.; Identifying and hiring right talent for the team;
Credit Administration - Wholesale Banking As a Team Leader in Credit Administration I managed a team who was catering to loan and security documentation with key responsibilities included: - ensure business deliverables are provided within agreed TAT; - Monitor & support team for documenation, review of valuation report, mortgage creation, limit setting, disbursement, deferral tracking, collateral management, etc. -safekeeping of documents -limit interchangeability is correctly communicated to limit loading team -providing on job training to internal team -maintaining effective working partnership with stakeholders -authorised signatory of the Bank for document execution, mortgage creation, etc.
As a Portfolio Manager in Credit Administration for Wholesale Banking Division which is a key part of the Credit Risk department; my responsibilities are controlling the quality of credit facilities advanced to borrowers by ensuring that documents are enforceable and interests are secured. As a Portfolio Manager, we also ensure Timely issuance of sanction letters and efficient execution of legal documentation within agreed turn- around time; Strict adherence to set and agreed Credit Policy & Procedures/guidelines from credit risk and legal team, Custodial Functions; Limits Processing and Implementation; Deferred/pending documentation tracking; Collateral Monitoring & MIS reporting; Compliance & Audit related activities; People Management; Other Activities; Special Assignments
As a Credit Analyst cum Relationship Officer for a portfolio of project finance mainly for film projects; my key responsibilities included Sourcing of business, preparation of flash reports for reference to Film Advisory Committee; Analysis of project, preparation of detailed Credit Appraisal Note of Media projects & presentation to Credit Committee; Negotiating/finalizing the tenor and pricing of loans in consultation with our treasury. As a Credit Admin & Monitoring officer for a Portfolio mix of project finance which included Film financing, Greenfield/Brownfield projects and working capital facilities, my key responsibilities included Issuance of sanction letter, documents preparation, security creation and safe-keeping in custody; Compliance of all pre-disbursement conditions; Updating / monitoring Insurance of the assets charged to the Bank; Follow up/ visits for inspection; Day to day monitoring viz. Overdues, etc. Monitoring of Project progress report and End-use monitoring; To keep track of all sanctions made, maintaining MIS for the portfolio; Compliance & Audit related activities; Annual review of the project/working capital assistance. I was also a part of Special Assignments for Designing of rating model for Film projects under Film Financing Scheme alongwith Risk Management team.