Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
Generic

Himanshu Sharma

Bengaluru

Summary

  • Dedicated Credit Professional with history of meeting company goals utilizing consistent and organized practices.
  • Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.

Overview

7
7
years of professional experience
1
1
Certification

Work History

Relationship Manager (SME)

State Bank of India
Bangalore
06.2018 - Current
  • Business Development - Loans from Rs. 50 lakhs to Rs. 50 crores - New Customer Acquisition, Portfolio management and End to End Commercial Credit Delivery
  • Credit Analysis - Financial Statements Analysis and Credit Risk Assessment
  • Limit assessment - Cash Credit, Term Loan, Letter of Credit, Bank Guarantee, Bill Discounting, Pre-shipment & Post Shipment credit
  • Credit Appraisal - Working Capital, Project Finance, Trade Finance & Channel Finance
  • Operations - Loan Documentation, Account management & monitoring, Rehabilitation & Recovery
  • Compliance - Regulatory guidelines, SOPs, Manual instructions and Ethics code, Internal & External Audit

Credit Analyst

State Bank of India
Karnataka
11.2017 - 06.2018
  • Managed SME and Personal Segment credit proposals (INR 25 lakhs to 100 lakhs)
  • Conducted presentations to upper management and executive teams for loan recommendations.
  • Assessed credit risk and analyzed financial statements.
  • Managed Loan Assets at branch level, Monitored stressed assets and Conducted recovery.
  • Branch Administration, customer service and handled customers of various segments.

Probationary Officer

State Bank of India
Karnataka
11.2015 - 11.2017
  • Managed branch operations and transactions across various platforms and methods.
  • Handled general banking operations, tended to audits and complied Bank's guidelines.
  • Marketing of Loans, Deposits, Insurance, Mutual Funds, Credit Card, and other ancillary products.
  • Worked to manage wealth portfolios of promoters and HNIs.

Software Developer

Lumino Guruz
Chandigarh
04.2015 - 11.2015
  • Developed analytical tools for data mining using R and Python
  • Web development using Python, Javascript and PHP
  • Database management using SQL and web designing using HTML and CSS

Education

Bachelor of Engineering - Computer Science

Panjab University
Chandigarh
07.2013

Skills

  • Credit Management - Financial Statements & Ratio Analysis, Cashflow analysis, Loan Lifecycle Management and Legal recourse
  • Keen insight into various business models in manufacturing, services and trading industries
  • Broad-based knowledge of overall business strategy, customer management and Branch Operations
  • Identification of client needs and providing financial solutions
  • Quality focused result delivery under high pressure and demanding environments
  • Detail-oriented Team Player with passionfor knowledge and growth

Certification

  • Cleared CFA Exam Level 1
  • Certified Associate of Indian Institute of Bankers (CAIIB)
  • Diploma in International Banking and Finance
  • Diploma in Treasury, Investment and Risk Management

Languages

Hindi, Punjabi
Native language
English
Advanced
C1
French
Upper intermediate
B2

Timeline

Relationship Manager (SME)

State Bank of India
06.2018 - Current

Credit Analyst

State Bank of India
11.2017 - 06.2018

Probationary Officer

State Bank of India
11.2015 - 11.2017

Software Developer

Lumino Guruz
04.2015 - 11.2015

Bachelor of Engineering - Computer Science

Panjab University

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Himanshu Sharma