ALOK SINGHAL
Delhi
Summary
A seasoned corporate banker with experience across loan origination, debt capital market fund raising, structured finance, credit appraisal, project financing and commercial trade. Strong end to end deal execution capabilities.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Relationship Manager
State Bank of India
New Delhi
05.2023 - Current
- Sustain and build client relationships by maintaining ongoing communication and negotiation (pricing, financing structure).
- Prepared and presented detailed reports on client account status and growth opportunities to management.
- Identified opportunities for cross-selling and upselling financial products
- Ensured compliance with regulatory standards and company policies in all client interactions.
Credit Analyst
State Bank Of India
Delhi
03.2015 - 04.2023
- Conducting operating and financial analysis; Analyzing the critical risk associated and ways to mitigate the risks; Financial modeling for computation of project profitability parameters; Negotiation and Finalization of term sheet; Preparation of credit reports and presentation to credit committees; Covenant Testing for monitoring early warning signals; Addressing internal and external audit observations;
- Appraised the Debt requirement for projects in infrastructure sector (Roads, Hotels Renewable, Telecom, etc.) and manufacturing industries viz. Steel, Electrical, Chemicals, etc.
- Assessed working capital requirements of Corporate (turnover> INR 10 Bn) both fund and non-fund based based on their operating cycle
Credit Officer
Bank Of Baroda
Delhi
10.2013 - 03.2015
- The role involves processing of credit proposals for corporate clients; Undertaking credit risk assessment and credit rating; Measuring credit worthiness and feasibility of client proposals;
Officer- Trade Finance
Bank Of Baroda
Delhi
04.2012 - 09.2013
- Disbursement of Pre-Shipment and Post Shipment Credit; Issuance of Letter of Credit/ Bank Guarantees/ Letter of Comfort; Handled negotiation / discounting of bills, payment of (Sight & Usance); Handled booking of Derivative Contracts (Forwards/Options)
Education
Master Of Business Administration - Finance
Birla Institute Of Management Technology
03.2012
Bachelor Of Technology - Electronics and Communication Engineering
Kurukshetra University
05.2009
Skills
- Verbal And Written Communication
- Banking regulations
- Underwriting
- Negotiation Skills
- Relationship building and management
- Client acquisition
- Risk Management
- Credit decision making
Certification
- Financial Risk Management, 11/01/14
- Moody's Analytics In Commercial Credit, 03/01/18
Timeline
Relationship Manager
State Bank of India
05.2023 - Current
Credit Analyst
State Bank Of India
03.2015 - 04.2023
Credit Officer
Bank Of Baroda
10.2013 - 03.2015
Officer- Trade Finance
Bank Of Baroda
04.2012 - 09.2013
Master Of Business Administration - Finance
Birla Institute Of Management Technology
Bachelor Of Technology - Electronics and Communication Engineering
Kurukshetra University
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