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Sales Manager- Business Banking working capital financeFeb 2015 - Oct 2015 (8 months)
>Handling mortgage business like cash credit, over draft, Term Loan, Trade Finance & Merchant Business, letter of credit, ban guarantee also. >Assessing and analyzing of the financial health of the customer. >Managing and co-ordination with various channels to get the potential leads & to achieve their target. >Preparing Credit approval Memos, discussing with credit team about customer’s profile & getting sanctions from credit team and then look after all disbursement processes.
Credit Analysis - Agri business- working capital financeJul 2014 - Jan 2015 (6 months)
>Responsibilities-Preparation of the credit assessment notes covering detailed analysis of business, industry, management and financials. >Finalization of terms and conditions (e.g. facility to be provided and structure) of the proposals in consultation with RM.>Ratings of the client using banks internal credit rating module. >Ensure adherence to the credit policy, internal policy, RBI guidelines and other guidelines.
Sr. Relationship Officer -- loan against proertyAug 2012 - Jul 2014 (1 year)
>Handling mortgage business like commercial purchase, loan against residential/ commercials also. >To generate business from existing customers and from Internal & external sources provided by the Co. >Preparing Credit approval Memos, discussing with credit team about customer’s profile & getting sanctions from credit team and then look after all disbursement processes.
Sales Officer business bankingAug 2010 - Aug 2012 (2 years)
dealing in cash credit , overdraft , bank guarantnee, letter of credit
MBA finance2004 - 2006 (2 years)
B.Com2000 - 2003 (3 years)
P G Diploma in Banking & Financial Planning and relationship management fro IFBI Bhopal (2010)IFBI Bhopal Centre
diploma in banking and financial mgt