CA Balram Sharma
Chief Relationship Manager Large Corporate Credit
New Delhi
Summary
Strategic and results-driven Chartered Accountant with 15+ years of experience in Corporate Banking, Credit Risk, and Financial Advisory. Expertise in project financing, credit underwriting, and portfolio management for mid-to-large corporate. Adept at financial analysis, risk mitigation, and regulatory compliance (RBI norms). Proven ability to enhance portfolio quality, cultivate client relationships, and deliver customized financial solutions that drive sustainable business growth.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Chief Relationship Manager Corporate Banking
Bank of India
06.2010 - Current
- Managed a diverse portfolio of 20 + Large Corporate Clients, ensuring satisfaction and retention through personalized attention and strategic planning.
- Collaborated with internal teams to deliver comprehensive wealth management services, maximizing client satisfaction and loyalty.
- Planned and attended meetings with clients to cultivate and grow partnerships and opportunities.
- Developed customized financial strategies for clients by thoroughly analyzing their current situations, goals, and risk tolerance levels.
- Streamlined processes for increased efficiency within the team, resulting in improved response times to client inquiries and requests.
- Enhanced team performance by mentoring junior relationship managers on best practices in client service, sales techniques, and product knowledge.
- Researched current trends to identify prospective customers and determine specific needs.
- Negotiated favorable terms for clients by leveraging strong relationships with product providers and underwriters.
- Ensured compliance with all relevant regulations by adhering to established policies and procedures in all aspects of the role.
- Increased portfolio growth by effectively identifying new business opportunities through market research and networking.
- Worked closely with credit analysts to ensure timely and accurate processing of loan applications, maintaining client satisfaction throughout the process.
- Established strong referral networks with internal partners such as commercial banking, private banking, and wealth management teams to identify potential new clients.
- Complied with established internal controls and policies.
- Conducted financial due diligence on potential investments and acquisitions.
- Evaluated and negotiated contracts to procure favorable financial terms.
- Created and managed financial models to evaluate corporate investments and acquisitions.
Education
DISA - Information System Audit
ICAI
06.2018
CA Final - Accounting And Finance
ICAI
05-2010
M.Com. - Accounting And Finance
M.D.U University
05.2005
B.com - Accounting And Finance
Vaish College Rohtak
05.2002
Certification
- Certified Associate of Indian Institute of Bankers (CAIIB)
- Junior Associate of Indian Institute of Bankers (JAIIB)
Certificate in Credit Management, NIBM Pune
Core Competense
- Corporate Client Relationship Management
- Credit Analysis and Risk Assessment
- Structured Finance and Deal Negotiation
- Cross-selling of Wholesale Banking Products
- Financial Solutions Structuring
- Compliance and Regulatory Adherence
- Portfolio Monitoring and Asset Quality Management
- Collaboration with Product, Legal, and Risk Teams
- Market Intelligence and Competitive Analysis.
- Cross-selling products
- Portfolio management
Accomplishments
- Successfully managing a diversified business portfolio exceeding ₹21,000 Cr with nil NPAs.
- Achieved over 20 % YoY growth in business portfolio through strategic client acquisition and retention initiatives.
- Supervised team of 20+ staff members.Led and managed all credit portfolios and risk decision-making for the Amritsar Centre and Delhi NCR zones, directing credit teams and ensuring robust policy adherence across 70+ branch locations.
Personal Information
Languages
English
Hindi
Certifications
03-2023
Skills
Sales management
Influencing skills
Customer engagement
Customer interaction
Strategic planning
Team Training
Teamwork and collaboration
Relationship building
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Sr. Relationship Manager Corporate Banking
Bank of India
06.2010 - Current
DISA - Information System Audit
ICAI
CA Final - Accounting And Finance
ICAI
M.Com. - Accounting And Finance
M.D.U University
B.com - Accounting And Finance
Vaish College Rohtak