HARSH KUMAR MISHRA

I have over eight years of experience in credit appraisal for the Corporate and MSME sectors, focusing on financial statement analysis, credit proposal assessment, and credit monitoring. My responsibilities include conducting due diligence, managing credit administration, and overseeing processes. I excel at identifying critical issues in complex assignments to support informed decision-making. I assist Branch and Relationship Managers in onboarding new MSME clients and achieving targets for advances. I ensure compliance with Turn-around-Time (TAT) for credit proposals, conduct pre/post-sanction visits, and address discrepancies found during audits. My qualifications include: - Extensive experience managing MSME, large corporate and mid-corporate clients, reviewing loan documentation, and evaluating creditworthiness. - Experience in corporate NPA recovery at IDBI Bank, utilizing mechanisms like NCLT, SARFAESI, DRT, One Time Settlement, and Debt Restructuring. - Handling fraudulent accounts, managing flagged accounts, and navigating the Right to Information Act (RTI). - Managing vigilance inquiries and responding to queries from the CBI, ED, and SFIO. Overall, I possess comprehensive expertise in both lending and recovery.

• Technical Knowledge MS Office Finacle 7 and 10
• Skills Credit Analysis Loan Processing NPA Recovery