Prakyath Shetty

A result-driven and analytically strong Credit Officer with hands-on experience in appraisal, processing, and sanctioning of high-value proposals across Retail, MSME, and Agriculture segments. Known for balancing business growth with robust credit risk management, ensuring quality asset creation while supporting branch teams in achieving aggressive business targets.

Possesses strong expertise in Credit Risk Management, Risk Profiling of clients, Trade Finance, and Forex-related credit requirements, enabling seamless handling of complex borrower profiles including exporters, importers, hospitality groups, manufacturing units, agri-entrepreneurs, and large retail borrowers.

Recognized for fast turnaround time (TAT), structured credit analysis, proactive risk identification, and coordination with branches, legal teams, technical valuers, and compliance teams. Instrumental in strengthening the quality of loan book by improving sanction standards, documentation quality, and post-sanction monitoring mechanisms.

Plays a key role in relationship-building with high-value clients, industry bodies, and key stakeholders to promote Central Bank of India’s product suite in Retail, MSME, Agri, Trade Finance, and Forex segments, contributing directly to business growth and portfolio quality.

• Successfully processed and sanctioned credit proposals worth ₹1,250+ Crores across Retail, MSME, and Agri segments within a span of 18 months.
• Independently handled 350+ credit proposals, including:
  a) 120 MSME Working Capital & Term Loan proposals
  b) 95 Retail Home Loan/LAP proposals
  c) 70 Agri & Allied activity proposals
  d) 65 Trade Finance & Export Credit proposals
• Contributed to 42% growth in MSME portfolio of RPC Bengaluru by enabling faster processing and branch-level handholding.
• Enabled takeover of high-value accounts worth ₹180 Crores from peer banks by structuring competitive credit terms and faster sanctions.
• Conducted detailed credit risk profiling of 200+ high-value borrowers, improving early identification of stress signals.
• Improved quality of sanctions and appraisal standards, resulting in:Reduction in slippages by 28% in RPC-processed MSME accounts. Improvement in SMA monitoring effectiveness by 35% through better covenant structuring and monitoring triggers.
• Flagged and mitigated high-risk proposals amounting to ₹95 Crores, preventing potential future NPAs through restructuring, enhanced collateral coverage, and tighter terms.
• Implemented sectoral risk analysis templates for Hospitality, Poultry, Manufacturing, and Real Estate segments, improving appraisal depth and consistency.
• Processed and approved ₹220+ Crores of Export-Import related credit limits, including:
  Packing Credit (PCFC & Rupee PC)
  Buyers’ Credit
  Import LC-backed limits
• Supported 70+ exporter/importer clients with customized trade finance structures aligned with FEMA guidelines and RBI norms.
• Enabled 40% increase in Forex-linked credit proposals from RPC Bengaluru by actively guiding branches on trade finance opportunities.
• Assisted in onboarding 15 new exporter clients, generating additional forex business of approximately USD 18 Million annually for the bank.
• Streamlined internal credit workflows, reducing average processing TAT from 12 days to 7 days (approx. 40% improvement).
• Developed credit checklist and pre-scrutiny templates adopted across multiple branches, reducing proposal deficiencies by 50%.
• Coordinated with Legal, Valuation, and Compliance teams to introduce parallel processing, accelerating sanctions for time-sensitive proposals.
• Acted as a key interface between RPC, Branches, Regional Office, Legal Counsel, and Technical Valuers to ensure smoother proposal closures.
• Conducted 20+ credit clinics/workshops for branch officials on:
  CMA analysis
  Project appraisal
  MSME working capital assessment
  Agri financing models
• Played a strategic role in engaging Hotel Owners Associations, Poultry Associations, Industrial Clusters, and Exporter Groups, contributing to a pipeline of ₹300+ Crores in prospective proposals.
• Ensured 100% compliance with internal credit policy, RBI guidelines, and sanction conditions in RPC-processed accounts.
• Reduced audit objections related to credit appraisal by 45% through improved documentation quality and sanction note structuring.
• Assisted in closure of 80+ pending documentation deficiencies in legacy accounts, strengthening enforceability of securities.

• Led end-to-end operations of a rural branch of a Public Sector Bank with responsibility for business development, credit management, operations, compliance, recovery and customer service. Drove growth in Agriculture, MSME, SHG/JLG, PMJDY, PMFBY, PMMY, KCC and Retail loan portfolios while ensuring strict adherence to RBI and internal policy guidelines. Managed branch team performance, ensured service delivery standards, handled key customer relationships, coordinated with local stakeholders (Panchayat, NGOs, Govt. departments) and strengthened the bank’s presence in the rural catchment area. Responsible for portfolio quality, recovery management, audit compliance, financial inclusion initiatives and CASA mobilization.
• During my two-year tenure (Apr’22–Mar’24) as Branch Head of a rural branch, delivered sustained business growth with cumulative deposit growth of 46% and advances growth of 54%, including ₹11.2 Crores CASA mobilization through focused village outreach, SHG/JLG linkage and farmer engagement programs. Expanded KCC portfolio by 63% and sanctioned ₹18.5 Crores under Agri & MSME credit, while maintaining strong credit discipline with zero major policy deviations. Improved asset quality by reducing GNPA from 4.9% to 1.9% through structured recovery drives, close post-sanction monitoring and timely restructuring of viable units; achieved 106% of cumulative recovery targets and upgraded 39 SMA/NPA accounts to standard category. Drove financial inclusion by onboarding 2,350+ PMJDY accounts, mobilizing ₹4.8 Crores under PMJJBY, PMSBY & APY, and enabling DBT linkage for 6,200 beneficiaries. The branch received Regional Office recognition for best performance in rural credit growth and compliance with nil major audit objections during the tenure.

• Conducted comprehensive customer profiling and credit appraisal for MSME, Retail and Mid-Corporate borrowers in line with bank’s credit policy and RBI guidelines.
• Performed detailed financial analysis including analysis of Balance Sheet, P&L, Cash Flow, CMA data, DSCR, IRR, BEP and sensitivity analysis.
• Evaluated business models, industry risk, promoter background, management capability and market positioning of borrowers.
• Assessed and mitigated credit, operational and market risks by identifying key risk factors and recommending suitable risk mitigants, covenants and security structures.
• Worked on pricing of credit proposals considering risk rating, cost of funds, RAROC, competition and profitability norms of the bank.
• Prepared and vetted credit notes, sanction proposals and appraisal memorandums for Term Loans, Working Capital, LAP, Takeover proposals and CRE exposures.
• Ensured compliance with internal credit policy, RBI norms, exposure ceilings, delegation of powers and regulatory guidelines.
• Handled client meetings and discussions with promoters, CAs and legal/technical consultants for clarification on financials, project feasibility and risk aspects.
• Coordinated with Legal, Technical, Valuation, Operations and Branch teams for due diligence, documentation and sanctioning process.
• Undertook post-sanction monitoring, including review of stock statements, financial performance, covenants compliance, account conduct and early warning signals (EWS).
• Monitored SMA/NPA accounts and recommended corrective actions, restructuring or recovery strategies where required.
• Supported portfolio risk management by tracking sectoral exposure, concentration risk and stress indicators.
• Ensured proper documentation and compliance under KYC/AML and regulatory reporting requirements.
• Appraised and processed ₹250 Crores+ of credit proposals across MSME, Retail and Mid-Corporate segments with strong focus on asset quality.
• Achieved high approval rate with minimal rework, owing to strong credit structuring and policy-aligned appraisal notes.
• Contributed to growth in MSME/Business loan portfolio by identifying bankable proposals and structuring competitive yet risk-adjusted pricing.
• Played a key role in takeover of quality accounts from peer banks by offering competitive pricing while safeguarding risk metrics.
• Helped in reduction of slippages / NPAs through proactive post-sanction monitoring and early identification of stress signals.
• Recognized for quick turnaround time (TAT) in processing credit proposals without compromising due diligence standards.
• Successfully handled complex proposals involving CRE, project finance, hospitality and manufacturing sectors.
• Improved quality of appraisal notes by incorporating cash flow-based assessment and sensitivity analysis, strengthening sanction decisions.
• Actively supported branches and business teams by providing practical credit structuring solutions to meet customer needs within policy framework.
• Appreciated by seniors for professional handling of client interactions, especially in negotiations on pricing, covenants and collateral structure.

• Actively participated in team meetings to share knowledge, exchange ideas, address challenges, and collaborate on potential solutions.
• Developed high-quality documentation to support training efforts, helping employees fully understand new systems and procedures.
• Streamlined project management with effective communication and collaboration across cross-functional teams.
• Performed gap analysis between existing systems or processes and desired state, identifying areas for improvement or enhancement.