SHIVAM RASTOGI
SHAHJAHANPUR
Summary
Results-oriented and highly respected professional seeking opportunities in the banking industry. Proven track record of following company guidelines and legal frameworks to achieve success. Astute Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth, and bottom line profitability.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Branch Credit Manager
BANK OF MAHARASHTRA
Jabalpur
08.2023 - Current
- Succesfully oversaw the management of diverse MSME files containing Fund base limit CCOL, CCBD, PC, FBP along with Non-fund-based limits including LC, BG & Term Loan (Machinery & Building), ECLGS.
- Evaluated financial information to determine potential risks associated with a range of loan categories, including Housing Loans, Loans Against Property, Personal Loans, Loans against Deposits, Staff Housing Loans, Staff Vehicle Loans, Vehicle Loans, and Education Loans.
- Conducting in-depth financial analysis and ratio analysis for loan applications.
- Evaluating creditworthiness and mitigating risks to make informed lending decisions.
- Prepare appraisal note. In the appraisal note, we capture all the due diligence part, credit facility, collateral security, and credit risk rating.
- Executed efficient management of note-taking process for collateral cover under CGTMSE Scheme and CGFMU Scheme.
- Participated in assessing term loans
- Adhered to stringent regulations set by RBI for conducting current account activities.
- Efficiently organized and managed Excel-based daily work assignments
- Assisted in exit category list account involvement
- Ensured timely reminders were sent to branches regarding file renewal dates.
- Provided guidance and support to other departments for the creation of new credit policies and procedures.
- Implemented various techniques, such as phone calls, emails, and letters, to successfully retrieve overdue payments from customers.
- Communicated with stockholders or other investors to provide information or raise capital.
- Maintained regular performance appraisals for subordinates through verbal, written and on-going review programs.
Credit Analyst (Scale-I)
SOUTH INDIAN BANK LTD.
New Delhi
02.2022 - 07.2023
- Performed comprehensive credit underwriting activities on MSME files valued between Rs. 2 Cr. to 25 Cr., comprising fund base limit CCOL, CCBD, PC, FBP alongside non-fund-based limit like LC,BG & Term Loan(Machinery & Building),ECLGS.
- Engaged in financial data analysis, including ratio metrics.
- Evaluated appraisal note, in Appraisal Note, We capture CIBIL reports of Individual & Commercial, Due diligence part like (RBI defaulter list, wilful defaulter list, CFR, RBI Export Caution list, Account settled list, Specific Approval List, IBA Caution list of TPEs, Red Flagged account Export credit list, Empanelled expert valuer list, Auditor Credential check, Perfios Account Verification, Perfios GST Verification, CERSAI charge, CRILC report, Early Warning Signal, FCU check, MCA Data, Probe report, Constitution related document like partnership deed, MOA, AOA, trust deed), Compliance of takeover policies, deviation in exposure norms, financial, statutory parameters, Background part of the borrower, Shareholder details, Comments on reasonability of estimation & projections, IRMD rating & scoring also check, ROI based on rating, Comment on Earlier sanction terms & conditions, Any inspection comment or pending or not, we have to check, Primary Security & Collateral security also to be filled in note, Personal Guarantee & Corporate Guarantee, review of accounts, Branch unit visit & RO unit visit remarks, we have to filled, any other specific approval & Bank pricing like stock, book debts, Interest, adverse remarks, justification remarks & also mention special condition & pre-disbursement condition
- Conducted comprehensive reviews of documents to ensure compliance with specified requirements.
- Executed committee decisions by generating corresponding sanction orders.
- Working on BPM (LOS), Finacle, Ethic Inspector, Office note
- Worked on modifications such as UBD/DBD limits for bill discounting, ROI reduction in OD against deposits, reversing penal interest charges, obtaining PDC concurrence, calculating BG commission fees, and granting ROI concessions for fund-based and non-fund-based term loans. Any concurrence should be required from the Credit department.
- Engaged in term loan review process
- Sustained adherence to necessary rules and regulations set by RBI for managing current account or other
- Ensured completion of Excel-based work assignments on a daily basis.
- Contributed to the creation of the account list for the Exit category
- Implemented effective file management system to streamline the process of renewing files.
Credit Officer
UJJIVAN SMALL FINANCE BANK LTD.
Lucknow
06.2019 - 01.2022
- Contributed to the development of Br dot Net software for functions such as appraisal, sanctioning, and disbursement.
- Experience includes working with individual loan products like Working Capital and Term Loan across multiple UJJIVAN branches: Indira Nagar (Lucknow), Chowk (Lucknow), Swaroop Nagar (Kanpur), Kidwai Nagar (Kanpur), and Meerapur (Barabanki).
- Addressed and resolved interest application problems raised by end users, including issues related to loans and overdrafts.
- Checked daily disbursement and made necessary changes to existing reports based on customer requests
- Implemented measures to ensure correct movements in Branch transactions while also addressing non-starter cases and SMA and NPA account discrepancies.
Education
Bachelor of Technology - Computer Science Engineering
AKTU Lucknow
Uttar Pradesh01.2016
Skills
- Loan Underwriting
- Credit analysis
- Team Management
- Portfolio Management
- Credit evaluations
- Credit Reports
- Customer Engagement
- Risk Mitigation
- Cash Flow Management
- Research and due diligence
- Risk Assessments
- Underwriting expertise
- Risk Analysis
- Financial Forecasting
Hobbies and Interests
- Playing cricket
- Chess - great way to unwind and keep the mind sharp.
Certification
- JAIIB
- CAIIB
Languages
Hindi
First Language
English
Intermediate (B1)
B1
Timeline
Branch Credit Manager
BANK OF MAHARASHTRA
08.2023 - Current
Credit Analyst (Scale-I)
SOUTH INDIAN BANK LTD.
02.2022 - 07.2023
Credit Officer
UJJIVAN SMALL FINANCE BANK LTD.
06.2019 - 01.2022
Bachelor of Technology - Computer Science Engineering
AKTU Lucknow
- JAIIB
- CAIIB
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