GOPAL SHARMA

To achieve high career growth through continuous process of learning to become a successful professional. To obtain a challenging and responsible role in a professionally managed organization and looking forward for an opportunity where I can utilize my experience and skills in contributing effectively for the success of the organization.

I am a highly motivated individual who is always willing to put in that extra bit of effort into any work that I undertake. I am looking for challenges that gives me a platform to show my skills and which will provide a good thrust to my professional career and my inherent abilities.

• Overseeing functions related to credit underwriting of all SME proposals Unto 50 Cr.
• Currently based out at Karnal and handing team of Credit Managers in Haryana region.
• Visiting the clients to acquire the understanding of their business operations, manufacturing process, distribution network, strategic plans and working capital requirement.
• To review management qualification, experience, track record, succession plan, competence & market credibility.
• Review of SME proposals involving analysis of Financial, Business, Industry, Management risk and correlate borrower's data with Industry outlook and economic trends.
• Analyzing borrower's financial strength and performance along with repayment capacity on the basis of financial statements, Bank statements & other additional documents.
• Assessment of financial indicators viz. profitability, liquidity, solvency, leverage & operating efficiency of client's business.
• Review Credit Risk Appraisal Note, approving Risk and recommending for proposal and pursue at senior level.
• To adhere internal bank policy, guidelines, compliances, regulations/checks, due diligence and Go- No-Go criteria.
• Monitoring delinquency & corrective actions to ensure quality of portfolio.
• Maintaining turnaround time for evaluation and processing of deal.
• To visit the client in intervals time period for ascertaining the end use of funds of the bank.
• To Co-ordinate with business team and other channels for business growth.

• Travelling new destinations
• Playing Cricket

• Result-oriented, efficient and organized professional with extensive experience in Finance functions more than 8 years.
• Ability to support and sustain in a positive work environment that fosters team performance with strong communication and management skills.
• Possess strong analytical and problem-solving skills, with the ability to make thought out decisions.
• Highly trustworthy, discreet and ethical.
• Ensuring bank's policies & procedure are adhered to.
• Ability to lead and Co-ordinate with team.
• Good written and verbal communication skills.
• Resourceful in the completion of projects, effective at multi-tasking.

• Father's Name: Mr. Mukesh Sharma
• Date of Birth: 06/09/90
• Nationality: Indian