NITIN SHARMA
Gurugram
Summary
Experienced with financial analysis and credit risk assessment, focusing on evaluating borrower creditworthiness. Utilizes advanced analytical skills to interpret complex financial data and provide actionable insights. Track record of effective collaboration and communication with cross-functional teams to achieve organizational objectives.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Senior Manager
Kotak Mahindra Bank Ltd
Bangalore
09.2022 - Current
Manager
Tamilnad Mercantile Bank
Gurugram
04.2020 - Current
- Handling Retail Loans like Car Loans, Home Loans, Commercial Vehicle Loans. Going as per the Organisation credit policies and norms.
- Scrutinizing the credit proposal in depth By checking repayment capacity, repayment history, KYC,etc.
- Managing and handling Business Loans like CC/OD limits also.
- Handling consortium advances as well
- Spearheading a 6 direct member team of Credit Managers, Operations Managers, Accounts & Compliance Managers; managing credit proposal of entire branch for products like Cash Credit Facility, Term Loan, Over Draft Facility, Housing Loan, Car Loan
- Reviewing Financial, Legal and Statutory compliances of the bank
- Liaising with an external legal firm in closing with the legal documents pertaining to loan agreements, various undertakings, mortgage deed, hypothecation deed & guarantee deed
- Leading the implementation of the products across locations in addition to personal & business loans, products like loan against shares & loan against property
- Formulating product policies and score card for unsecured business
- Ensuring smooth transformation to centralized credit processing from Branch CPA model
- Providing constant market feedback to upgrade product policies continuously
- Coordinating between various departments for smooth launch of business
- Making presentation of portfolio mix and portfolio behavior to the management
- Monitoring the credit TAT
- Served at various branches, Corporate and Zonal Offices
Assistant Manager
Tamilnad Mercantile Bank
Gurugram
12.2013 - 04.2020
- Handling Retail Loans like Car Loans, Home Loans, Commercial Vehicle Loans. Going as per the Organisation credit policies and norms.
- Scrutinizing the credit proposal in depth By checking repayment capacity, repayment history, KYC,etc.
- Managing and handling Business Loans like CC/OD limits also.
- Handling consortium advances as well
- Spearheading a 6 direct member team of Credit Managers, Operations Managers, Accounts & Compliance Managers; managing credit proposal of entire branch for products like Cash Credit Facility, Term Loan, Over Draft Facility, Housing Loan, Car Loan
- Reviewing Financial, Legal and Statutory compliances of the bank
- Liaising with an external legal firm in closing with the legal documents pertaining to loan agreements, various undertakings, mortgage deed, hypothecation deed & guarantee deed
- Leading the implementation of the products across locations in addition to personal & business loans, products like loan against shares & loan against property
- Formulating product policies and score card for unsecured business
- Ensuring smooth transformation to centralized credit processing from Branch CPA model
- Providing constant market feedback to upgrade product policies continuously
- Coordinating between various departments for smooth launch of business
- Making presentation of portfolio mix and portfolio behavior to the management
- Monitoring the credit TAT
- Served at various branches, Corporate and Zonal Offices
Education
MBA (Finance) - Financr
GLA University
01.2011
B.Com. - undefined
MJP Rohilkhand University
01.2008
Skills
- Credit & Risk Appraisal, Underwriting
- Stakeholder Management
- Portfolio Management
- Customer Relationship Mgmt, Management Reporting
- Cross- functional Coordination
- Team Building & Leadership
Certification
- Junior Associate for Indian Institute of Bankers (JAIIB)
- Certified Associate of Indian Institute of Bankers(CAIIB)
- Credit Appraisal Programme from IMAGE (Indian Bank Management Academy for Growth & Excellence) from Chennai
- Credit Comprehensive Management from BQA Campus, Coimbatore
- Certification Programme on MSME financing from SIBSTC, Bengaluru
- NISM-Series-VI: Depository Operations Certification Examination
- Certification in KYC & AML by Manipal Education Services Pvt. Ltd., Bengaluru
- Certification in BCSBI conducted by IIBF
Personal Details
Languages Known: English & Hindi
Accomplishments
Won Best Credit Analyst Award in Fy'24 in Kotak Mahindra Bank
Training
- Participated in National Conference on “Leading Change-the revolving dynamics” at GLA University, Mathura.
- Workshop on Capacity Building of Bankers for Specialised MSME Branches, New Delhi
- Orientation Programme from SIBSTC (Southern India Banks Staff Training College)
- Training and Certification program in credit conducted by Manipal Education Services Pvt. Ltd., Bengaluru
Internship
Hindustan Unilever Limited, Etah (U.P) in analysis of Working Capital Management
Timeline
Senior Manager
Kotak Mahindra Bank Ltd
09.2022 - Current
Manager
Tamilnad Mercantile Bank
04.2020 - Current
Assistant Manager
Tamilnad Mercantile Bank
12.2013 - 04.2020
B.Com. - undefined
MJP Rohilkhand University
MBA (Finance) - Financr
GLA University