نبيل Adil Khan

financials statement to determine the credit worthiness of existing and potential new customers, financial condition and profitability of company, repayment ability, operating trends and other various financial indicators.
•Used critical thinking to break down problems, evaluate and provide solutions and make decisions.
•Support the Senior Credit Manager in the administration of the commercial loan portfolio.
•Maintained a detailed working knowledge of Bank’s policies and procedures.
•Responsible for special projects as assigned by SVP or SCM.
•Background check for retail customers.
•Got promoted during the annual performance review in the year 2017.

 Review and appraise Credit proposals in accordance with the Bank policy for sanctioning funded and non-funded financing facilities. The method followed includes preparing a full-fledged credit appraisal note based on information provided and findings from various analyses.
 Analyze and process requests for extensions of expired limits in cases where the renewal is pending due to incomplete documentation.
 Borrower’s credit worthiness evaluation through thorough analysis of financial statements including calculation of various financial ratios and comparative analysis.
 Analyze, and review customers’ request for reduction/waiver of bank charges.
 Site visits to monitor pledge/hypothecated stock held in bank’s custody as security. Review of journal kept at branches to manage flow of funds and release of pledged stock.
 Provide trainings to subordinates over credit related topics.
 Assists in Special Projects/ Assignments that are entrusted by the Unit Head/ Management.

•Designed a performance management system for translating performance into points.
•Preparing articles, with financial facts and figures, for the monthly newsletters.
•Rationalizing annual targets on monthly basis to eventually meet annual target.
•Pre and Post Banking products evaluation newly launched. Manage financial reporting and analysis for feedback to senior management. Design new sets of financial models to present business progress.
•Making of cost benefit analysis where customers have requested for waiver of banking charges.

 Prepare of Credit proposals at branch level for issuance of guarantees, running finance facility, Letter of Credit and all other financing facilities in accordance with the Bank policy also ensuring completion of loan/charge documentation & implementation of terms and conditions of approvals.
 Marketing credit products and maintaining winning relationship with our existing customers, and actively coordinating with the credit initiation committee for timely approvals.
 Correspondence with clients for the recovery of quarter-end markup and renewal or extension of their limit.