Dharmveer Singh
JAIPUR
Summary
Seasoned Credit Analyst with over 12 years of experience in banking, specializing in MSME finance, credit assessment, and risk management. Proven track record in appraising fund and non-fund based proposals, managing NPAs, and portfolio analysis. Eager to contribute expertise to a growth-driven private sector bank like HDFC ICICI, AXis or any other bank, with a focus on innovation, customer-centric credit solutions, and strategic credit risk assessment.
Overview
1
1
Language
1
1
Certification
13
13
years of professional experience
Work History
Credit Analyst (Sr. Manager)
Bank of Baroda (BOB)
04.2017 - Current
- Conducted comprehensive credit appraisal for MSME and mid-corporate clients.
- Evaluated managerial, technical, and economic feasibility of project loans.
- Processed pre-shipment and post-shipment finance for exporters and importers.
- Managed stressed assets, NPAs, and restructured accounts to improve recoveries.
- Executed pre-disbursement documentation and monitored accounts for Early Warning Signals (EWS).
- Conducted internal credit ratings and collaborated with risk and compliance teams.
Customer Service Executive (Clerk)
Bank of Baroda (BOB)
06.2013 - 03.2017
- Handled branch operations including cash management and customer service.
- Supported sales of banking products and assisted in onboarding new clients.
- Ensured compliance in customer data management and daily transaction recording.
Education
MBA - Finance
09-2026
MBA - Operations
01-2012
B.E. - Computer Science Engineering
Rajasthan University
01-2008
Skills
- Credit Appraisal & Risk Rating
- Financial Statement Analysis
- MSME & Corporate Lending
- Fund & Non-Fund Based Lending (CC, Term Loan, LC, BG)
- Trade Finance (Export Credit)
- NPA Management & Account Restructuring
- Internal Credit Rating Tools (eg, BOBICON)
- Customer Relationship & Compliance
Accomplishments
Appreciation Letter from Bank of Baroda for outstanding performance in Credit during FY 2023 - 24.
Certification
CAIIB - Certified Associate of Indian Institute of Bankers (August 2025), JAIIB - Junior Associate of IIBF (July 2015), Certificate in Commercial Credit - Moody’s Analytics (May 2022), IRDA Corporate Agent (Composite License) - (Sep 2020)
Personal Details
Languages Known: English, Hindi
Personal Information
- Date of Birth: 1987-02-20
- Marital Status: Married
Timeline
Credit Analyst (Sr. Manager)
Bank of Baroda (BOB)
04.2017 - Current
Customer Service Executive (Clerk)
Bank of Baroda (BOB)
06.2013 - 03.2017
B.E. - Computer Science Engineering
Rajasthan University