Balram Sharma
Chief Relationship Manager Large Corporate Credit
New Delhi,DL
Summary
Results-driven Chartered Accountant with over 15 years of experience in the financial services sector, including extensive exposure to banking, corporate finance, and risk management. Proven expertise in strategic project coordination, financial modeling, scenario analysis, and delivering data-driven insights to support business decisions. Adept at preparing financial reports, business cases, budgets, expense variance analysis, and Forex impact assessments.
Skilled in managing branch operations, enhancing market penetration, and driving business growth. Strong background in corporate banking relationship management with a focus on portfolio optimization, fraud prevention, and credit risk control. Demonstrated ability to interpret complex financial data, ensure regulatory compliance (RBI and other statutory norms), and provide tailored financial solutions. Recognized for building and maintaining long-term client relationships and consistently delivering measurable results.
Overview
15
15
years of professional experience
2
2
Certificates
2
2
Languages
Work History
Corporate Banking Relationship Manager
Bank of India
06.2010 - Current
- Conducting rigorous credit risk analysis for mid-sized & large corporate encompassing industry/business research and financial analysis including past business and financial performance, future projections, finalization of terms & conditions, and internal credit rating
- Supervising various lending operations including appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning loans
- Coordinating with major finance partners to build forecasts and served as one stop point for finance related queries from the leadership team; worked closely with investor relations team to build presentations for annual meetings
- Directing workflow to meet quality standards and compliance with regulations; monitoring delinquent account collection and establishing terms of payment as well as managing vendors
- Interpreting financial data for analyzing past financial performance and projecting the financial profitability of company as well, developing projected financial statements as per borrower assumptions
- Analysis allocation of cases, capacity planning, ensuring field visits, curtailing flow rates and normalization of delinquent accounts; devising and effectuating risk policies & managing wide risks and implementing effective mechanisms to mitigate the same
- Evaluating existing and prospective clients & markets, analyzing client requirements within the framework of the approved credit policy /product with the aim of developing and articulating a cogent, concise and persuasive view on the client/transaction/relationship
- Directing complex financial information and providing accurate and timely financial recommendations to management for decision making purposes
- Providing assistance to supply chain and sales and marketing departments in managing financial orders to control credit exposure; making payments on time, and reducing the risk of customer disputes
- Ensuring proactive relationship building with a view to deepen client penetration, identify new opportunities and generate referrals for other business verticals
- Analyzing the creditors through methods like Turnover Method, MPBF Method, Sensitivity Analysis, Inventory Holding Level Computation, Break-even Analysis, CMA Data and others
- Managing the financial results & identified the reasons for variances while having discussions with various finance business partners; evaluated the risks in achieving targets & developed actions to close the gaps
- Analyzed financial data to determine if loan met acceptable risk standards.
- Cultivated strong referral networks among professional contacts to generate new leads for potential business opportunities.
- Negotiated favorable loan terms and conditions, ensuring mutually beneficial outcomes for both the bank and clients.
- Strengthened corporate banking relationships by proactively identifying and addressing client needs.
- Leveraged extensive knowledge of banking products to design creative financing structures that met client requirements while minimizing risks.
- Managed a diverse portfolio of clients, ensuring timely and accurate information for optimal decision making.
- Developed new business opportunities through targeted prospecting efforts, expanding the bank's client base.
- Participated in industry events to stay current on market trends, increasing competency in serving various sectors within corporate banking clientele.
- Developed and maintained relationships with customers, lenders and other third parties.
- Negotiated loan terms and conditions with customers to secure best deal.
- Evaluated loan requests and documents to verify accuracy and completeness.
Education
DISA - Information System Audit
05.2017 - 01.2018
CA Final -
04.2001 - 05.2010
M.Com. - undefined
B.Com. - undefined
Certificate On Credit Management
03-2023
Skills
Project Financing
Financial Planning & Analysis
Credit & Risk Analysis
Key Account Management
FOREX Management/Investment
Advisory/Consulting
Underwriting Operations
Due Diligence
Reporting & Documentation
Team Management
Cross-selling products
Sales strategy development
Portfolio management
Loan origination
Certification
Certified Associate of Indian Institute of Bankers (CAIIB)
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Languages
English
Hindi
Accomplishments
- Supervised team of 10+ staff members.
Personal Information
Date of Birth: 10/17/82
Interests
Project Funding
Timeline
ICAI - DISA, Information System Audit
05.2017 - 01.2018
Corporate Banking Relationship Manager - Bank of India
06.2010 - Current
ICAI - CA Final,
04.2001 - 05.2010
MDU University - M.Com.,
MDU University - B.Com.,
NIBM - , Certificate On Credit Management