Branch Credit Manager
Bank of Baroda
مجموع سنوات الخبرة :11 years, 10 أشهر
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.
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.
Master of Business Administration (MBA) with Finance Specialization
Batchelor Of Commerce