AVINASH VYAS
Ahmedabad
Summary
Experienced professional at ICICI Bank specializing in client relationship building and leading real estate funding initiatives in Gujarat. Proficient in project funding, inventory funding, and loan restructuring. Demonstrated expertise as Chief Manager at ICICI Bank UK PLC with a strong background in credit sanction and operational risk analysis. Skilled in managing cross-functional teams to successfully execute syndicated and bilateral loans, ensuring the bank
Overview
13
13
years of professional experience
Work History
Senior Real Estate Portfolio Manager
ICICI Bank Ltd.
Ahmedabad
09.2021 - Current
- Identified and secured real estate cases in the Gujarat region covering Ahmedabad, Vadodara, and Surat.
- Met customers to understand their requirements and conducted site visits for projects.
- Built and enhanced customer, intermediary, and partner relationships
- Collaborated with external parties to conduct assessments of both legal and technical nature
- Provided assistance to borrowers after sanction and disbursal of loans.
- Prepared an in-principal note for initial go-ahead and sent it to the approving authority.
- Reviewed organizational policies to ensure clients achieve utmost contentment from their financial transactions.
- Identified and generated business opportunities in project funding, inventory funding, LRDs, and liability products.
- Identified potential opportunities and ensured the sales team was promptly notified for follow-up.
- Educated and informed clients about the company's products, services, and special offers.
- Prompt resolution of client complaints and issues
- Conducted customer satisfaction surveys to identify areas for improvement in client satisfaction
- Collaborated with internal departments to consistently exceed clients' expectations
- Coordinated with cross-functional teams to implement an effective customer engagement plan resulting in increased satisfaction rates
- Structured credit appraisals and processed loans from sanction to execution and post-monitoring.
Loan Administration Manager - Team Lead
ICICI Bank UK PLC
City of London
11.2016 - 08.2021
- Successfully performed a full range of Transaction manager duties
- Committed to risk mitigation of credit portfolios through defined process of online verification of loan documentation
- Ensuring that all activities are being carried to a high standard, and escalating any issues to the Head of Credit
- Extensive skilled in due diligence of Credit documentation, working alongside relationship managers, the Legal Department and other internal stakeholders to ensure documentation is in line with Bank's internal approval, internal credit and other policies
- Extensive experience in the area of Credit Administration/transaction management in the financial industry
- Maintain oversight on covenant and conditions monitoring requirements in line with procedure
- Embedding a culture of risk awareness and continuous improvement.
- Review and interpreted LMA/LSTA standard loan documents such as credit agreements, constitutional documents, guarantee deeds, security documents and other relevant loan governing documents
Credit Admin Manager
ICICI BANK Ltd.
Ahmedabad
12.2011 - 10.2016
- Successfully managed various credit administration tasks related to transactions in the financial industry.
- Demonstrated expertise in corporate credit facility documentation
- Demonstrated comprehensive understanding of various financial products, including term loans, working capital, and trade finance such as receivables, letters of credit, and SBLC/guarantee. Effectively managed diverse financing options like RCFs and syndicated loans.
- Proficient in navigating credit approval processes.
- Communicated effectively with senior management, head office, and other stakeholders.
- Managed credit administration for WBG portfolio comprising 70+ corporate clients with revenues exceeding INR 500.0 MN in various industries including manufacturing, trading, metals, and professional services across different regions.
- Streamlined lending life cycle policies and processes to enhance efficiency and accuracy.
Credit Controller
Sheth Insulation Pvt. Ltd.
Ahmedabad
07.2011 - 12.2011
- Heading accounts receivable, accounts payable and accounts finalization for company and sole proprietary firm
- Submission of monthly returns with various government department- VAT, TDS, Provisional tax, Professional tax, Pension etc
- Assisting in finalization of tax return submission, attending tax meetings for ensuring statutory compliance
- Preparing working capital, term loan proposal for banking facilities and liaising with banks
- Attending tax or other legal dispute with Company's law counsel for Employment or other court matters.
Education
Junior Associate of the Indian Institute of the Bankers, Indian Institute of Banking and Finance, Ahmedabad -
INDIAN INSTITUTE OF THE BANKERS, INDIAN INSTITUTE OF BANKING AND FINANCE
11.2013
Chartered Accountant, Ahmedabad -
THE INSTITUTE OF CHARTERED ACCOUNTANTS OF INDIA
06.2011
Skills
- Skilled in Microsoft Office Applications
- Proficient in Computer Skills
- Financial Requirement Analysis
- Evaluating Borrower Eligibility
- Team Leadership
- Credit Risk Assessment
- Comprehensive Due Diligence
- Strategic Portfolio Oversight
- Customer Relationship Management
- Analytical Problem Solving
- Detailed Loan Assessment
- Effective Communication
- Risk Analysis
Affiliations
An ex-social activist from Ahmedabad's Child Help Care Society
Accomplishments
- Recognized for carrying out flawless transactions in the WBG portfolio exceeding 5,000 million dollars in the allotted time.
Languages
Hindi
First Language
English
Upper Intermediate (B2)
B2
Gujarati
Beginner
A1
Timeline
Senior Real Estate Portfolio Manager
ICICI Bank Ltd.
09.2021 - Current
Loan Administration Manager - Team Lead
ICICI Bank UK PLC
11.2016 - 08.2021
Credit Admin Manager
ICICI BANK Ltd.
12.2011 - 10.2016
Credit Controller
Sheth Insulation Pvt. Ltd.
07.2011 - 12.2011
Junior Associate of the Indian Institute of the Bankers, Indian Institute of Banking and Finance, Ahmedabad -
INDIAN INSTITUTE OF THE BANKERS, INDIAN INSTITUTE OF BANKING AND FINANCE
Chartered Accountant, Ahmedabad -
THE INSTITUTE OF CHARTERED ACCOUNTANTS OF INDIA
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