Summary
Overview
Work History
Education
Skills
Certification
Timeline
OfficeManager
Harsh Tiwari

Harsh Tiwari

Manager, State Bank Of India
Indore,MP

Summary

Business-driven manager in pursuit of finding successful ways to acquire new clients and foster lucrative relationships. A decisive relationship manager with over 5 years of wholesale banking/commercial credit domain experience. Offering dynamic collaboration, administrative and commercial credit decision making skills.

Overview

11
11
years of professional experience
5
5
years of post-secondary education
6
6
Certificates

Work History

Manager, Relationship Manager SME

State Bank of India
Indore, Madhya Pradesh
12.2017 - Current
  • Conducted presentations to upper management and executive teams for loan recommendations.
  • Monitored issues carefully and reached out to customers to provide immediate resolution and maintain satisfaction.
  • Generated new business and referral clients in partnership with financial advisors and branch team.
  • Assessed credit risk and analyzed financial statements.
  • Made decisions and recommendations about extending lines of credit.
  • Complied with internal controls and government regulations.
  • Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
  • Improved understanding of financial statements, which helped in assessing risk.
  • Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
  • Achieved client satisfaction and loyalty by establishing collaborative relationships, facilitating needs assessment.
  • Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
  • Started working as Relationship Manager Small and Medium Enterprises from Jan'2020 while promoted to Manager from April'2020, handling dedicated portfolio of 40 plus SME customers having exposure ranging from Rs.5 Million to Rs.500 Million.
  • Started working as Relationship Manager Small Enterprises from Dec'2017 to Dec'2019, handling dedicated portfolio of 50 plus SME customers having exposure ranging from Rs.5 Million to Rs.50 Million.

Deputy Manager, Commercial Credit Analyst

State Bank of India
Indore, Madhya Pradesh
07.2017 - 11.2017
  • Assessed credit risk and analyzed financial statements.
  • Reviewed customer files on regular basis to make sure receivables were in sound condition.
  • Gathered loan documentation for underwriting.
  • Complied with internal controls and government regulations.
  • Improved understanding of financial statements, which helped in assessing risk.
  • Started working as Commercial Credit Analyst/ Credit Support Officer from July'2017

Probationary Officer, Retail Business Banking

State Bank of India
Indore, Madhya Pradesh
12.2014 - 06.2017
  • Worked in close co-ordination with Branch Heads of different branches to achieve business targets and learnt handling branch operations and management.
  • Resolved problems, improved operations and provided exceptional service.
  • Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
  • Offered friendly and efficient service to customers, handled challenging situations with ease.
  • Carried out day-to-day duties accurately and efficiently.
  • Joined as Probationary Officer(Assistant Manager) in Dec'2014.

Senior Executive Engineer

Adani Power Limited
Mundra Port, Maharashtra
08.2011 - 01.2013
  • Collaborated with on-site directors, operations managers and supervisors on 3300 MW Super Critical Thermal power plant project.
  • Inspected electronic/electrical equipment before, during and after projects to maintain progression and functionality.
  • Monitored project progress, ensuring conformance to design specifications and safety standards.
  • Oversaw quality assurance protocols to optimize designs.

Faculty Teacher and Class Coordinator

Acropolis Institute of Technology and Research
Indore, Madhya Pradesh
06.2008 - 06.2010
  • Collaborated with tutoring, enrollment, testing and advising services to support students.
  • Instructed and evaluated over 45 students in classroom in alignment with college mission by incorporating innovative teaching and learning strategies.
  • Demonstrated strong interpersonal and communication skills, resulting in clear subject matter discussion with students.
  • Provided students with constructive, encouraging and corrective feedback.

Education

PGDC - Thermal Power Plant Engineering

National Power Training Institute, MoPower, GOI
New Delhi
07.2010 - 07.2011

Bachelor of Engineering - Electronics And Instrumentation Engineering

IET, Devi Ahilya Vishwavidyalaya
Indore
07.2004 - 05.2008

Skills

Analysis of financial statements, credit rating, credit underwriting, appraisal, pre-sanction, post-sanction, presentation to committees

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Certification

Certified Program for Branch Managers

Timeline

Certified Program for Branch Managers

12-2021

Certified Program for SME Advance

12-2020

Certified Program for SME Credit

11-2019

Certificate in Commercial Credit from Moody's Analytics

09-2018

Manager, Relationship Manager SME

State Bank of India
12.2017 - Current

Deputy Manager, Commercial Credit Analyst

State Bank of India
07.2017 - 11.2017

CAIIB

12-2015

JAIIB

05-2015

Probationary Officer, Retail Business Banking

State Bank of India
12.2014 - 06.2017

Senior Executive Engineer

Adani Power Limited
08.2011 - 01.2013

PGDC - Thermal Power Plant Engineering

National Power Training Institute, MoPower, GOI
07.2010 - 07.2011

Faculty Teacher and Class Coordinator

Acropolis Institute of Technology and Research
06.2008 - 06.2010

Bachelor of Engineering - Electronics And Instrumentation Engineering

IET, Devi Ahilya Vishwavidyalaya
07.2004 - 05.2008

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Harsh TiwariManager, State Bank Of India