Nikhil Agarwal

Cases decision up to Rs.2000 Lacs under own Sanctioning power.

• Risk Assessment of all type of Initial, Interim and Annual Proposals up to Rs. 250 Crore with absolute TAT.
• Monitoring of Portfolio of 180 accounts having total Portfolio Size of Rs.3600 Crore.
• Handling trade-related product queries of clients as per requirements.
• Monitoring of Stock Audit Initiation to timely processing.
• Monthly Customer Visits of Stressed and Regular Accounts.
• Handling Loan ticket size from Rs.25 Cr to Rs.250 Cr across all industries i.e Agro Processing Unit ,Plastic ,Food Processing,Steel Iron ,Govt Contractor,Education,Hospital,Commodity.

Notable Accomplishments: .

• Nil early delinquency from July 2020 to till date of total all Initial sanctions.
• Nil NPA from July 2020 to till date in total Assigned Portfolio.
• No deferral Outstanding till date from existing assigned portfolio.

Training and Development:

• Timely training of CPAs for CAM quality improvement and responsible of their overall development to decrease TAT.
• Fortnightly business team communications and information for meetings for the closure of the loan proposal.

Key Result Area:

• Risk Assessment of all type of Initial, Interim and Annual Proposals from Rs.10 Cr to Rs100 Crore with absolute TAT
• Monitoring of Portfolio of 200 accounts having total Portfolio Size of Rs 500 Crore
• Stress Account Management by following up and tie up with the Concerned Business Team and Special Project Team
• Monitoring of Stock Audit Initiation to timely processing
• Monthly Customer Visits of Stressed and Regular Accounts.

Notable Accomplishments:

• 100% achievement in all KRAs for Fy 2018 and Fy 2019
• Nil Early Delinquency.

Training and Development:

• Team Handling of 3 Analyst and responsible for there training and development.
• Timely interaction with teammates to develop their overall skills and market knowledge.
• Developed strategies to expedite payments and customer resolutions.
• Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.

Key Result Areas:

• Assessment the processing for further approval to RCC ZCC of all MSME cases logged in from Branches.
• Process approx 700 Cases throughout the tenor of IDBI Bank.
• Timely Visit to clients to maintain healthy portfolio.
• Ticket Size handling from Rs.100 Lacs to Rs.500 Lacs
• An astute and result oriented professional with qualitative experience of more than 7 years 11 Months across diverse facets in Risk Assessment and Credit appraisal such as MSME / Agri proposal / Commodity Finance, Term loan and Trade Finance Products
• Instrumental in NPA Management / Recovery thereby contributing in a major way towards augmented growth and profitability levels
• Possess excellent interpersonal, communication and organizational skills with demonstrated abilities in team management and customer relationship management.
• Attended DLTC, BLCC and other meetings in the local area, as per the guidelines, in adherence to regulatory compliances and coordination with regulatory bodies and other related organizations like NABARD, Lead Bank and Govt. Deptt., etc

Notable Accomplishments:

• Promoted as “Manager” in first attempt Under Fast Track Channel of IDBI Bank Ltd
• 2nd Highest number of Risk & Credit Assessment of Asset cases in Commodity Finance segment under Metro Branch category in Rajasthan for FY 2015-16.
• 2ndHighest number of Risk & Credit Assessment of Asset cases in MSME segment under Metro Branch category in Rajasthan for FY 2014-15.
• Cash Recovery of Rs. 1800 Lakh in NPA accounts; Highest Recovery in North – I Zone in RBG Branch Category in Rajasthan for FY 2015-16.proposals comes under Working Finance, Commodity Finance and Term loans.