Musahibraza Chaudhari, Branch Credit Manager

Musahibraza Chaudhari

Branch Credit Manager

Bank of Baroda

Location
United Arab Emirates - Sharjah
Education
Master's degree, FINANCE
Experience
11 years, 10 Months

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Work Experience

Total years of experience :11 years, 10 Months

Branch Credit Manager at Bank of Baroda
  • United Arab Emirates - Sharjah
  • My current job since December 2021

Bank of Baroda, Sharjah Branch (UAE), Since 07.12.2021 to present

Current Role-Chief Manager-Credit Head (Corporate and Trade Finance)

 Acquisition and management of Corporate Advance accounts, Assessment of credit requirement (Working Capital, Term Loan, Trade Finance Products, Project Financing, Real Estate), processing of credit proposals and getting the credit facility sanctioned from Competent Authority.
 Assessing credit requirement of various clients engaged in the field of Petrochemical, Refining, Shipping, EPC Contractors, Real Estate Companies, Retail & Wholesale Trade and various other Companies engaged in different types of activities.
 Management of existing advance portfolio which includes monitoring of the advance accounts, timely review/renewal/enhancement of credit facilities.
 Carrying out Legal Documentation of post sanction credit facilities and creation of Possessory Pledge, Mortgage, Assignment of various security assets with Dubai/other Courts and with various Industrial Zones such as Hamriyah Free Zone, SAIF Zone, JAFZA, RAKIA.
 Management of stressed accounts which includes monitoring of SMA (Special Mention Accounts), resolution/restructuring/recovery of NPA accounts.

Regional Credit Manager at BANK OF BARODA
  • India - Vadodara
  • July 2012 to December 2021

Bank of Baroda, Gujarat India (from 21.07.2012 to 06.12.2021)
Having worked in different places in different profiles mainly credit for 9 years and 4 months as under:
 Credit Manager at SME Loan Factory (5 years): Worked as credit officer/manager in SME Loan Factory (Centralized Processing Cell for Processing of Corporate Credit) where primary role was to carry out processing of credit proposals of units engaged in different activities/industries such as Textile, Chemical, Pharmaceuticals, Steel, Engineering, EPC and others and also to canvass new corporate advance accounts.
 Head of SMELF and Branch Head: (2.5 year) Being Head of SME Loan Factory and Branch Head, primary responsibility was to increase the business of the Branch, processing of credit proposals of existing/new corporate clients, sanctioning of credit proposals, management of Branch Operations.
 Credit Manager at Zonal Office, Regional Office and at Branch (2 year): Monitoring credit portfolio of the Branches/Regions, Processing of credit proposals.

Education

Master's degree, FINANCE
  • at Gujarat University
  • April 2010

Master of Business Administration (MBA) with Finance Specialization

Bachelor's degree, Accounting
  • at The Maharaja Sayajirao University Of Baroda
  • June 2008

Batchelor Of Commerce

Specialties & Skills

Credit Portfolio Management
Credit Assessment
Credit Analysis
Trade Credit
Financial Analysis
Credit Portfolio Management
Financial Analysis
Credit Assessment
Corporate Credit
Credit Analyst
Business Assessment

Languages

English
Expert
Hindi
Native Speaker
Urdu
Native Speaker
Arabic
Beginner

Training and Certifications

• CAIIB ( Certified Associate of Indian Institute of Bankers) Conducted by IIBF (Indian Institute of (Certificate)
Date Attended:
June 2014
Moody's Certificate in Commercial Credit (CICC) (Certificate)
Date Attended:
June 2018

Hobbies

  • Running & Treking
    I have completed various half marathons (21 Km). Mumbai half Marathon i have completed in 2020 in 2 hours and 9 minutes