PANKAJ SINGH

Banker

Mumbai,MH

Summary

Seeking a Challenging assignment as a Regional/Cluster Head in Retail/MSME: Credit, Risk Management (Underwriting) & Recovery in Banking sector in Gujarat/Mumbai/Delhi NCR/Indore

Overview

17 Years Experience

Work History

Assistant Manager

The Bank of Rajasthan Ltd

Mumbai

04.2006 - 09.2007

Assistant Branch Manager

Bank of Rajasthan Ltd

12.2003 - 04.2005

Education

Certified Credit Officer” & CAIIB - undefined

Indian Institute of Banking & Finance

MBE - Finance, Economics

University of Delhi

B.Com - undefined

Central University Jamia Millia Islamia

12th - undefined

Govt Boy Sr Secondary School

10th - undefined

Govt Boy Sr Secondary School Patpar, CBSE

Skills

Generate, process & sanction all type of SME credit proposals Appraising Credit Proposals, Conducting risk analysis & scrutinizing relevant documents before sanctioning / disbursing loans for SME segment, ensuring compliance with bank’s credit policiesSupervising approval of Credit Proposals & sanctioning credits after appraising solvency status & verifying documents as well as post sanction follow-up and disbursal of loanAdministration and Credit Monitoring for remains healthy credit portfolioRecovery and legal actions under SARFAESI act against defaulters/NPA accountholdersHandling the overall functioning of processes, identifying improvement areas and implementing adequate measures to maximize customer satisfaction levelLiaising with other organizations / Govt Departments for business growth & development of BankEffective and efficiently management of branch operation & to ensure minimizing risk rating and maximizing profitability of the branchLeading, training & monitoring performance of the team members to ensure efficiency in operationsORGANIZATIONAL EXPERIENCESince, Nov, 2018 with TJSB Sahakari Bank, As an Assistant General Manager, Regional Head- Gujarat stationed at Surat (Total 11 branches, total business mix : Rs 650 crores)In Mumbai, Since May,2022 as a Regional Head (Total 16 branches, Business Mix: Rs 1750 crores)Key Result AreasOverall responsibility and accountability for Retail and Commercial Banking Business in 16 Branches, spread across entire state of Mumbai Central and At Gujarat for 35 yearsSanctions of Retail & Commercial loans within the delegation of powerMonitoring of Disbursement and release of loans within the RegionMonitoring and conducting health checkup of loan portfolio on weekly intervalsFollow up with Branch Managers in overdues accounts/SMA accountsConducting recovery actions in NPA accounts under SARFAESI ACT 2002Overall taking actions to maintain profitability of the business in the RegionFeb’12- Oct,18 with Karur Vysya Bank Ltd in Credit and Risk Management Dept as Chief ManagerManaging the end-to-end, SME credit portfolio, credit proposals, credit administration and monitoring for secured & unsecured credit bookDelivering complete credit processing/Risk Rating within TAT & operations and managing the entire documentation process as well as reviewing credit limits and control it within Bank’s lending normsAcquiring new customers through converting referral leads and building on existing relationships into businessEnsure timely renewal of due limits and exceeding within the permitted TATEnsure compliances of terms and condition of sanction and audit observations of various auditorsManaging the overdue accounts and stress accounts Reporting the higher authorizes for early actionAchievementAchieved given targets of retails and commercial loans for FY 2016-17Achieved December 15, targets of NII and advances targets, in the month of Oct 15Jun’09-Jan’12 with Union Bank of India, Mumbai in Zaveri Bazar & Lower Parel as Senior Manager (Credit- SME)SME Clients files – Annual Turnover between Rs 500 crores to Rs 700000 crsManaged the allocated client of Bullion traders & SME portfolio and maintained client relationships to ensure balanced growth of the same within acceptable risk levelsRetained existing accounts and value additions to improve margins from themPrepared proposals for loans and advances including fund and non-fund based facilitiesWorked in close coordination with departments in the related areas to ensure smooth workflow and maintain delivery schedules to the clientsEstablished credit lines till final settlement, including realization of various charges and interestsSep’07-Jan’09 with Vijaya Bank, Mumbai, Fort, as Manager (Credit-mid corporate)Prepared business loan proposals (CC, Term loan, Project, ILC/FLC, BG) for SME & mid-corporate for identification of key risk factors & highlighted the risk factors to the sanctioning forumHandled compliance of pre-post sanction formalitiesManaged documentations of mortgaged securitiesReviewed stock audit, asset inspection and collateral valuationDetected early warning signals to ensure good quality credit portfolioAnalyzed and circulated of Excess Report / Overdue Report / Limit Maturity Report among business division for its review

Accomplishments

B-177, New Mini DDA MIG Flats, Mayur Vihar Phase-III, New Delhi-110091
Current Address:Flat No.: Flat no.15, Westwind CGHS, Air India Colony, Nerul-E, Navi Mumbai-400706
Signature (PANKAJ SINGH)

Additional Information

Hardcore banker, carrying 17 years rich experience, spread with Multistate Cooperative Bank, Public Sector Bank (Union Bank of India, Vijaya Bank), and with the old private sector (Karur Vysya Bank Ltd & Bank of Rajasthan Ltd). Worked at Branches, Regional Offices & Corporate Office level in various capacities (Credit/Risk/Recovery) in the Banks and gained exposure of various aspects of Banking. 360 degree exposure for serving to all category of borrowers/customers i.e Sourcing, Credit Appraisal for Corporate Loan Products (working capital funding including fund based & non-fund based), Term Loans including project finance to SME/Mid corporate/Large corporate, Operational experience of non-fund based facilities (LC,BG) etc. Appraisal /Sanctioning of various Retail Loan products. Branch banking operational experiences, Branch Head of large category branch in Mumbai & Delhi NCR, Credit Department Head of exceptionally large branch category in Mumbai, Credit Recovery under SARFAESI of all Credit portfolio products (Retail, SME, Mid Corporate). Worked as Branch Head of large branch category in Mumbai and Delhi NCR, where in set high standards of customer service with compliance, best use of available technology / resources for the development of branch/Bank and setting high standards of operations with elevated team spirit. Worked as an incharge of Risk Rating team in Risk Management Department covering 3 Divisions. Worked as Credit Monitoring Department Head & Credit Grid Member at Divisional Office in Delhi & Ahmedabad where in to control, report and compliance related to credit portfolio of the entire Division. Working experience of treasury operation and domestic treasury dealer in the Bank.

Timeline