ROHAN VISHWAKARMA

• Handled credit assessment and underwriting for Corporate Banking Group (CBG) proposals including Working Capital, Cash Credit, LC, BG, and Term Loans ranging from ₹10 Cr to ₹500 Cr.
• Conducted financial analysis of borrower financials including balance sheets, P&L, cash flow statements, and income documents to assess financial health.
• Evaluated credit risk, monitored borrower performance, and ensured compliance with internal credit policies and regulatory frameworks.
• Monitored assigned credit portfolio to track performance, identify early warning signals, and implement timely corrective actions.
• Ensured covenant compliance through tracking of financial covenants, receipt of stock statements, insurance, and quarterly financials.
• Prepared credit proposals, internal risk ratings, financial models, and facilitated timely loan sanctioning and renewals.
• Managed client relationships, resolved credit-related issues, coordinated for renewal documents, and enhanced client servicing.
• Conducted collateral due diligence and valuation (book debts, inventory, fixed assets) to ensure security coverage and enforceability.
• Performed industry analysis and peer benchmarking to support informed credit decisions.
• Used CRILC reports, financial modeling, and analytical tools for data-driven credit decisions and risk identification.
• Led a team of credit officers and underwriters, provided technical guidance and conducted training on credit appraisal techniques.
• Contributed to automation initiatives to improve credit assessment workflow and reduce turnaround time.
• Maintained MIS and reporting systems on portfolio exposure, overdue accounts, and industry-level risk tracking.
• Ensured compliance with RBI regulations, internal policy frameworks, and exposure norms.
• Coordinated with RMs, product teams, legal, and risk committees to streamline credit operations and facilitate smooth disbursement.

• Prepared detailed Credit Appraisal Memorandums (CAMs) including borrower analysis, business model evaluation, financial ratios, and credit risk identification.
• Assessed creditworthiness of borrowers (₹10 Cr – ₹250 Cr turnover segment) by analyzing financial statements, banking trends, industry data, and management background.
• Ensured credit proposals aligned with internal product programs and credit policy guidelines, suggesting appropriate loan structures and security packages.
• Handled renewals and reviews of existing borrower accounts, evaluating performance trends, compliance with covenants, and repayment behavior.
• Collaborated with Relationship Managers to understand client requirements and structured proposals accordingly.
• Addressed Risk Department queries by providing clarifications, documentation, and revised assessments as needed.
• Maintained Turnaround Time (TAT) for credit appraisals, internal rating assessments, and renewals to support timely decision-making.
• Supported credit decisioning through analysis of internal risk rating models, industry benchmarking, and peer group comparisons.
• Monitored exposure across working capital and term lending products like CC, OD, BG, LC, TL, factoring, etc.
• Ensured compliance with regulatory norms and internal approval processes for all credit proposals.
• Assisted in portfolio monitoring, identifying early warning signals and recommending corrective measures as necessary.

• Responsible for credit decisioning for both consumer loans and wholesale banking proposals in the Pune region, ensuring sound underwriting practices.
• Led a team of 5 credit officers and underwriters, overseeing assessment, recommendation, and approval of credit facilities.
• Conducted comprehensive credit analysis of individual borrowers and corporate entities by evaluating financials, repayment history, and market conditions.
• Built and utilized financial models to project borrower cash flows, assess DSCR, and evaluate risks associated with lending proposals.
• Provided training and guidance to sales teams on documentation and product knowledge to enable faster credit processing within defined Turnaround Time (TAT).
• Ensured regulatory compliance in loan underwriting and documentation as per RBI norms and internal credit policy.
• Acquired hands-on expertise in core banking functions including payments, credits, trade finance, and digital banking platforms such as RTGS, NEFT, E-Banking, and Mobile Banking.

• Manage and grow a portfolio of mid-sized corporate clients with credit and non-credit products.
• Conduct in-depth financial analysis and credit assessment to structure working capital and term loan facilities.
• Prepare and present credit proposals, including risk rating, covenant structuring, and security coverage.
• Ensure timely renewals, reviews, and compliance with internal and regulatory guidelines.
• Maintain regular client engagement to identify upsell/cross-sell opportunities (e.g., LC, BG, FX, CMS).
• Monitor client financial performance and proactively flag early warning signals.
• Liaise with internal teams: credit, legal, operations, and compliance for smooth transaction execution.
• Ensure proper documentation, KYC, and due diligence as per bank policy.
• Handle customer servicing, issue resolution, and maintain high client satisfaction.
• Prepare and maintain portfolio MIS, exposure reports, and income tracking sheets.