Satyajit Behera
Credit Manger- ST- SME
Cuttack
Summary
Analyzing the company's financial data, understanding the financing needs, understanding key financial ratios via the Balance sheet and income statement. Analyzing financial statements, preparing credit appraisal reports of SMEs, identifying risks relating to provision of working capital requirements. Responsible for structuring the proposal and preparing business profile, business models, financial projections, credit appraisal notes and putting up the credit proposal before appropriate sanctioning authority viz. credit forum / credit committee.
Overview
9
9
years of professional experience
2
2
Certifications
3
3
Languages
Work History
Credit Manager- SME
HDFC Bank Ltd
08.2023 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Monitored accounts for signs of fraud and non-payment issues.
Credit Analyst
DCB Bank Ltd
11.2018 - 07.2023
- Taking care of entire credit functions including credit appraisal and analysis, sanction, facilitating disbursements, follow-up and monitoring of existing portfolio.
- Responsible of preparing the action plan on monthly basis for the stressed asset and POT NPA cases.
- Regular interaction with the Empaneled Valuer and Lawer for improve the quality of the report and updation of the policies.
- Assisted senior-level credit officer with complex loan applications.
- Conduct regular training program on product and process in accordance with bank and regulatory standards, policies and practices.
- Built knowledge about latest banking products and service through internal training programs.
Credit and Relationship Manager
ICICI Bank Ltd
04.2016 - 10.2018
- Interacting with clients, understanding their requirements, liaising with the clients for collating data required for preparation and submission of the credit proposal to the Credit Risk Team and sanctioning authority /sanctioning forum.
- Responsible for structuring the proposal and preparing business profile, business models, financial projections, credit appraisal notes and putting up the credit proposal before appropriate sanctioning authority viz. credit forum / credit committee.
- Responsible for entire process of closing the business leads from the initial stage of meeting /interacting with the clients, making of financial projections, note preparation and credit proposal.
- Obtaining sanction of credit facilities and handling post-sanction formalities viz. issuing Credit Arrangement Letter (CAL), creation of mortgage, Registration of Charge with ROC, execution of other legal documentation as well as disbursement of the credit facilities in a time bound manner maintaining the TAT.
- Nurturing of relationship with the assigned clients and responsible for providing satisfactory services as well as cross selling of other products of the bank to the mapped clients.
- Responsible for post disbursement supervision, Preparing Limit Setup Memo & safe Custody Memo follow up viz. receiving of Monthly stock statements, Other Financial Information (OFI), timely repayment of loans, renewal of limits, renewal of insurance, etc.
- Responsible to study the limit account conduct after the disbursement and educate the client.
Education
PGDB -
Manipal Global University
Banglore, Karnataka04.2016
B TECH - undefined
Orissa Engineering College
Bhubaneswar, Odisha07.2011
Skills
Credit analysis
Performance improvements
Credit reports
Risk analysis
Certification
Credit appraisal and risk management SME CRISIL
Sanctioning Deligation
Assigned Sanctioning delegation for working capital Limit upto Rs. 30.00 Lacs at DCB Bank Ltd.
Assigned Sanctioning delegation for working capital Limit upto Rs. 200.00 Lacs at HDFC Bank Ltd.
Timeline
Credit Manager- SME
HDFC Bank Ltd
08.2023 - Current
Credit Analyst
DCB Bank Ltd
11.2018 - 07.2023
Credit and Relationship Manager
ICICI Bank Ltd
04.2016 - 10.2018
B TECH - undefined
Orissa Engineering College
PGDB -
Manipal Global University
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