Skilled Credit Manager able to administer credit in an accurate and effective manner. Possessing top strengths in financial analysis, time management and both verbal and written communication. 

Key Skills

Credit Analysis
5 Yrs
Banking and Accounting
4 Yrs
Customer service
1 Yrs

Professional Experience

Aug 2017
Present
Credit Manager
Royal Bank Of Scotland New Delhi, IN
  • Credit risk assessment for portfolio of Mid-Corporate clients spread across UK to offer new/renew commercial banking arrangements
 
  • Acting as first line of defense and hence preparing credit papers in consultation with Relationship Directors covering summary on industry, competition, group structure, ownership & management
 
  • Responsible for identifying and monitoring early warning signals in respect of their account conduct, financials and other aspects to protect Bank from potential losses.
 
  • Assessing client’s business model, cash flows, funding requirements to device appropriate New to Bank deal structure-facility term repayment mode, security & credit covenants
 
  • Providing recommendations to Relationship Directors basis Credit assessment and then present the Credit papers to Sanctioning team
 
  • Discuss/defend recommendations in Credit Papers with Credit Sanction team
 
  • Monitor the effectiveness of risk controls and risk profile compared to the approve risk appetite by setting Covenants or Internal risk triggers (IRT’s) and flag Early Warning Signs for remedial action & enforcement of lenders right

  • Act as Risk Champion to ensure maintain an effective control environment across risks arising from the business, including implementing standards to meet group policies. 

Jul 2013
Sep 2017
Senior Credit Analyst
BARCLAYS New Delhi, IN
 
·       Diligent Bank Credit Analyst who remains current in credit and loan regulations and procedures within the financial industry. Adept at assessing client needs in a timely manner. Focused on meeting customer needs by drawing on sound knowledge of private and commercial loan management

·       Sound knowledge of analyzing and evaluating financial information through Profit and loss statement, Balance sheet, Companies House, Company website etc

·       Profound knowledge of cash flow procedures and structures

·       Well aware of the loan facilities like term loan, overdrafts, trade loans, BGI etc. 
·       Credit risk assessment for portfolio of Mid-Corporate clients spread across UK to offer new/renew commercial banking arrangements

·       Creating credit papers includes with annual review, interim review in consultation with Relationship Directors covering summary on industry, competition, group structure, ownership & management

·       Providing recommendations to Relationship Directors basis Credit assessment and then present the Credit papers to Sanctioning team

·       Submit lending submission form for all facilities, securities, valuations, release and maintenance. 
Jan 2012
Aug 2013
Assistant Manager
HDFC Bank New Delhi, IN
  
Cam Updation
  • Check the customer history e.g. employment history, salary and financial statements, credit history details included in credit report. Check the credit needs and ability to pay the loan. Analysis of the balance sheet and check net worth, available liquidity(current ratio). Analysis of income statement e.g. revenue trends, gross margin, profitability of the customer. CAM updation for North Locations.
 
                                                   
Disbursement
     
  •  Disbursement of Working Capital loans including:   
  • EEG Cash Credit, ODAP
  • BBG Cash Credit, ODAP
  • Disbursement of Mortgage & Agri Loans
  •  Setting Limit into  Customer’s Accounts into core system
  •  Disbursement of Mortgage –DOD, LAP
  •  Disbursement of Agri- Cash Credit & Term Loan
  •  Setting the S.I into customer’s a/c for recovering AMC.
  
Foreclosure
  • Foreclosure of Mortgage:DOD,LAP
  • Agri segment: Cash Credit & Term Loan
  • Deleting the limit , S.I Collaterals From customer’s accounts.

Education

Apr 2017
Aug 2019
PGDM in
Symbiosis
Jun 2006
Aug 2009
BJMC in
GGSIPU

Achievements

Chartered Banker
Certified Chartered Banker in Lending Skills

Languages

English
(Fluent)
Hindi
(Native)

Get in touch with Himanshu