HARSHA KARMARKAR
Ghatkopar (W)
Summary
Experienced Banker specializing in corporate banking, portfolio management, and credit analysis. Skilled in financial modeling and analytical techniques to identify opportunities and mitigate risks, leading to enhanced client satisfaction.
Overview
15
15
years of professional experience
Work History
Relationship Manager - Large Corporate
Axis Bank
04.2024 - Current
- Building existing and winning new relationships with the customers.
- Grow sustainable revenues from the existing customer portfolio and through targeted acquisition of new quality customers.
- Ensure achievement of Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets across all product groups.
- Maintain high quality standards of documentation, client communication and process compliance on an ongoing basis.
- Ensure portfolio management and diversification of risk in partnership with the Credit Team to achieve portfolio quality.
- Review of portfolio on regular basis to identify business opportunities, act upon early warning signals and implement exit plan for stress accounts.
- Efficiently handled a portfolio of 14 clients across sectors chemicals, pharmaceuticals, and textile.
- Achieved growth of more than 20% across majority of KRAs.
Credit Analyst - Large Corporate
Axis Bank
04.2020 - 03.2024
- Collaborated with relationship managers to structure tailored financing solutions.
- Established a strong relationship with clients to gather essential data and assessing business models and credit needs.
- Conducted comprehensive due diligence, deal structuring, and financial model development.
- Drafted and negotiated term sheets, ensuring alignment with client expectations.
- Prepared credit memos and pitches for internal discussions and approval processes.
- Presented case analyses to credit approvers, resolving queries for timely sanctions.
- Negotiated documentation with clients to ensure prompt execution of agreements.
- Adherence to credit parameters, as per internal policies and external guidelines.
- Managed a diverse portfolio of 15-20 clients across sectors, including renewable energy and pharmaceuticals.
Project Advisory and Syndication
Axis Bank
06.2014 - 03.2020
- Structured transactions by making initial pitches and offers, delivering tailored credit solutions with Relationship Managers.
- Prepared detailed term sheets and negotiated effectively with clients.
- Developed financial models, information memorandums, presentations, and credit appraisal notes for loan underwriting and syndication.
- Facilitated interactions among clients, internal departments, banks, NBFCs, and financial institutions.
- Executed portfolio management by down-selling bank exposure in primary and secondary markets, generating fee income.
- Managed execution of IBPC transactions to optimize bank portfolio performance.
- Negotiated loan document execution with legal counsels and clients efficiently.
- Handled loan proposals for major corporations including Jio Digital Fibre, Indiabulls Properties, and Adani Group across various sectors.
- Established relationships with multiple banks, NBFCs, and FIs.
Credit Analyst
State Bank of India
06.2010 - 05.2014
- Assessed client creditworthiness through comprehensive due diligence and financial analysis.
- Collaborated with senior officials and relationship managers to drive banks business growth.
- Translated financial statements into spreadsheets, validated projections, and assigned credit ratings.
- Ensured compliance with loan policies and RBI guidelines during credit assessments.
- Identified risks in proposals and recommended mitigation strategies based on thorough industry analysis.
- Prepared credit appraisal notes, conducted internal ratings, and presented proposals to the credit committee.
- Managed a portfolio of 15 clients with total exposure exceeding Rs. 5,000 Cr. across sectors
Education
C.A. -
Institute of Chartered Accountants of India
06-2009
B. Com. -
DAVV (Indore University)
03-2007
Skills
- Portfolio management
- Credit analysis
- Financial modeling
- Credit documentation
- Negotiation and Presentation skills
Languages
- English
- Hindi
- Marathi
Timeline
Relationship Manager - Large Corporate
Axis Bank
04.2024 - Current
Credit Analyst - Large Corporate
Axis Bank
04.2020 - 03.2024
Project Advisory and Syndication
Axis Bank
06.2014 - 03.2020
Credit Analyst
State Bank of India
06.2010 - 05.2014
C.A. -
Institute of Chartered Accountants of India
B. Com. -
DAVV (Indore University)
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