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
Policies and procedures
Operations, Business Development, Documentation
Sales and marketing
Negotiation
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