SAHIL SIDHU

Looking after a NPA portfolio of Rs.1,000/- Crores with 660 accounts , related to CGTMSE, Secured /unsecured, NCLT and KCC

• Negotiated payment plans with delinquent customers to minimize losses while maintaining positive client relationships.
• Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
• Work cross-functionally with sales, management, and other departments to maintain effective operations.
• Improved credit risk management by implementing effective underwriting policies and procedures.

• Skilled Credit Manager, responsible for processing new, enhancement, review/renewal, Financial Analysis + Due Diligence: Conducting complete financial statement analysis, due diligence checks on financials, business strength, project viability study for sanctioning/recommending loans for corporate /MSME clients Guiding on investment and project decisions impacting overall business activities Analyzing current/past financial data, performance & trends using trend analysis tools; preparing reports and communicating insights from a wider business perspective Analyzing financial/operational results of companies by reviewing their accounting records and conducting interviews with management Credit Processing + Risk Analysis: Develop & implement procedures for analyzing the creditworthiness of prospective & current customers. Prepare appraisal note and initiate risk rating Manage the generation and verification of CIBIL Report / Defaulter Lists/Central Fraud Registry / ECGC SAL List / Caution Advice / CERSAI, etc. as well as financial due diligence Perform cross-verification of sales/income with respective websites Monitor the conduct of review renewals before the due date Act as a member of Sanction Committee; follow up with Branch Managers / Customers in getting additional information/ clarification/ documents for credit appraisal miscellaneous, restructuring proposals of MSME and other accounts with exposure of upto INR 50L and Plus.
• Growth Path: Dec’21 – Till Date : Manager (Credit) at Rohini Branch, Regional Office, New Delhi Feb’20 – Nov’21 : Branch Head at Dilshad Garden Branch, Regional Office, New Delhi May’19 – Jan’20 : Credit Analyst, Janak Puri Branch, Regional Office, New Delhi Sep’16 – April’19: Credit Analyst, Arun Vihar Branch, Noida, NCR Delhi Sep’15-Aug’16: Credit Processing Officer, Mathura, NCR Delhi June’14-Aug’15: General Banking Officer, Regional Office, New Delhi
• Managed and motivated employees to be productive and engaged in work.
• Accomplished multiple tasks within established timeframes.
• Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.

• Accountable for assessing the creditworthiness of 25+ accounts of varied industries and sectors including Manufacturing and service sector etc. with each advance of Rs. 50 lakhs and above; charting out viable finance portfolio after considering financial, legal and technical aspects; and taking adequate steps to ensure repayments and recovery of bad debts. Credit Analysis: Appraised credit proposals & scrutinized documents before sanctioning/disbursing the credit, performed Due Diligence, used market information, industry analysis, projections, ratio analysis, risk analysis, carried out the credit rating of corporate borrowers, and ensured the quality of processing of proposals as per loan policy of the Bank and RBI guidelines Handled pre-sanction diligence, credit grading, review of existing limits (fund & non-fund based working capital limits), prepared executive summary of loan proposals, disbursement and post-sanction monitoring of accounts Took credit decisions by leveraging the usage of various reports such as valuation report, title search report, market feasibility report. Tracked transactions in loan accounts as well as obtained regular information about business operations of the borrowers; performed factory/site inspections Monitored the timely review/renewal of credit limits Portfolio Management: Owned responsibility of managing a branch for a period of 2 years and assigned accounts including document collection, timely processing & disposal, customers relationship management and query & complaint resolution Risk Management: Assessed financial risk in credit proposal as well as conceptualized and structured deals for credit advances Handled portfolio risk and ensured compliance as per the regulatory norms of the country

• Supervised the complete credit administration function entailing loan proposals processing of MSME and retail customers for further approval, preparation of executive summary of proposals, recommendations for sanction after due diligence, SWOT analysis of management, industry and business of the proposed borrower, financial statements analysis, credit rating and ensuring the quality of processing of proposals as per loan policy and other guidelines.