ABHISHEK GARG

Posting - Zonal office Gurugram - (46 Branches Under Zone)

• Head of Credit Department of Zone.
• Managing the portfolio of INR 12 million. (Retail and Corporate)
• Performing credit analysis, appraisal & processing of fresh credit proposal(s).
• Handled of products like Term loans, Working Capital, Bank Guarantee & LC & all other types of corporate loans , Project Loan and Retail loans.
• Directly interacting with the Corporate as well MSMEs Borrower for their Business needs and
• Unit Visits, Joint Lenders Meet & Consortium meetings for personal discussion with the customer about their business, background and progress of the project finance.
• Sanctioning of credit proposals.
• Monitoring & follow up for compliance of Terms & condition of sanction
• Monitoring of Branches under control regarding Credit Targets & as well credit risk.
• · Renewal/ Review of accounts
• · Assisting the Zonal Manager in achieving various campaign targets. Co-ordination with Central Statutory Auditors for finalization of Audits.

• Industry Type : Banking Industry (Large Corporate Branch).
• Job Profile: Credit Appraisal, Due Diligence Reporting and Project Financing (Infrastructure Projects such has Power, Road, Medical College etc.
• Total Size of Branch of the Branch - INR 150.00 billions. Managing the portfolio of approx INR 30.00 billion
• And Commercial Real Estate – Residential Housing , Commercial, Group Housing, Township).
• Developing a detail understanding on credit policies & processes for all Loan products.
• Analysis of financial statements.
• Formulating annual & new business credit reviews.
• Risk management and pro-active monitoring of existing and new accounts.
• Unit Visits, Joint Lenders Meet & Consortium meetings for personal discussion with the customer about their business, background and progress of the project finance.
• Appraisal of the Loan proposal of customer and prepare detailed analysis note & recommending cases to further process.
• Writing comprehensive credit reports.
• Collecting & Verifying Property Documents for Mortgage cases.
• Coordinating with Panel Advocate and panel Valuer for Mortgage cases.
• Custodian of the original property documents of Mortgage cases till physical file sending to Operation department.
• Preparation of MIS reports desired by Head office in frequent intervals.
• Participating in development of credit policy for new products.
• Constant feedback on revision of policy / process documents resulting from the review process, standardize the process & documentation.
• General & Operational banking.

• Industry Type: MARBLE IMPORTERS.
• Job Profile: Finance and Control, MIS & Audit.
• Performing monthly closing.
• Working Capital Management and Budgeting.
• Reconciliations of Balance Sheet Accounts.
• Validating, Reviewing signing off Inter-company Transactions.
• Handling Import and Export Function.
• Coordinating with our foreign Clients.
• Handling day to day Accounts.
• Statutory compliance.
• Finalization of Balance Sheet and P&L.
• Capturing the Accounts Transactions.
• Stock Audit.
• Analyzing all sort of MIS Reports and monthly financial statements of Group Companies, Co-coordinating and collating the information of various Key Performance Indicators for monitoring productivity and efficiency.
• Performance analysis - Variance analysis, trend analysis, economies of scale analysis, graphical-charting analysis and showing trend movement, break-even analysis (BEP), Working Capital Analysis.
• Economy & Industry analysis/ Competitors Benchmarking and Performance Analysis.
• Highlighting potential risk areas and conducting SWOT analysis.
• Conducting market research before launching of new products.
• Preparing presentations for the top management and banks for various projects including fund raising and internal performance review meetings.
• Feasibility Study for Detailed project reports for approval.
• Preparation of Fund flow & Cash flow from group perspective.
• Participated in internal review meetings, discussions and follow up as par MOM.

Ø Handling day to day Accounts..

Ø Statutory compliance.

Ø Finalization of Balance Sheet and P&L

Ø Capturing the Accounts Transactions

Ø Feasibility Study for Detailed project reports for approval.

Ø Preparing presentations for the top management and banks for various projects including fund raising and internal performance review meetings.