Shubham Dabhade
Summary
Dynamic banking professional with extensive experience at prestigious Indian banks, excelling in credit analysis, appraisal and client management. Proven track record in managing existing clients and sourcing new business for the institutions. Skilled in CAM writing and client sourcing, with a strong ability to identify cross-sell opportunities, ensuring optimal client satisfaction and business success.
Overview
7
7
years of professional experience
Work History
Associate Relationship Manager
Indusind Bank Limited
Pune
09.2024 - Current
- Created credit proposals for clients with a turnover range of Rs. 750-3,000.00 crores, along with preliminary checks and preparation of short notes for zonal/regional heads.
- Conducted comprehensive client background checks, credit analysis and credit appraisal to ensure sound decisions.
- Assisted relationship manager in disbursement processes for sanctioned limits.
- Completed pre-disbursement and post-disbursement compliance tasks for clients effectively, inclusive of deferral/covenant management, leading to clean portfolio hygiene.
Credit Analyst
CSB Bank Limited
Pune
11.2023 - 08.2024
- Developed credit proposals for clients with turnover exceeding Rs. 250.00 crores by conducting thorough business, financial, and structural analysis.
- Prepared CAMs (Credit Approval Memorandums) for proposal sizes up to Rs. 100.00 crores and two pagers for the scoped clients for the perusal of department heads.
- Executed the closure of pre-disbursement and post-disbursement compliance processes for existing clients.
- Performed preliminary credit checks to verify eligibility of scoped clients.
Relationship Manager
HDFC Bank Limited
Pune
08.2021 - 10.2023
- Conducted credit analysis and appraisal for proposals sourced via in-bank and open channels.
- Renewed and enhanced existing client limits, increasing book size, net interest income, and fees.
- Sourced new clients for working capital and capital expenditure financing.
- Created Credit Approval Memorandums (CAMs) for clients with turnover up to Rs. 3,500 crore up to the proposal size of Rs. 175.00 crores.
- Monitored portfolio using stock statement analysis, bank statement analysis, plant visits, and deferral tracking.
- Identified cross-sell opportunities for bank products, and actively engaged in discussions with clients and other departments across the bank.
Relationship Manager
ICICI Bank Limited
Pune
05.2019 - 07.2021
- Sourced new Bank (NTB) clients for the bank via in-bank and open channels.
- Conducted credit analysis and credit appraisal of the sourced proposals by creating Credit Approval Memorandums (CAMs) for the clients, up to a turnover size of Rs. 250.00 crores.
- Interfaced with the credit and operations departments for the timely sanction and disbursement of NTB client limits up to the size of Rs. 30.00 crores.
- Enhanced and renewed client limits in the existing portfolio while resolving pending compliance issues.
- Identified cross-sell opportunities to promote additional banking products.
Research Internship
T. A. Pai Management Institute
Pune
01.2019 - 03.2019
- Developed an understanding of the sell-side valuation process and biases.
- Studied the valuation biases among the sell-side and buy-side analysts to arrive at the fair value of the security.
- Extended the research of valuation nudges by Dr. Hersh Shefrin to Indian capital markets.
Intern
BSE Institute
Mumbai
05.2018 - 05.2018
- Trained in fundamental and technical analysis.
- Learned asset valuation for various classes using different tools.
- Foundation Training of Currency Trading, Commodity Markets, Option/Future/Other Derivative Strategies.
- Learned the basics of algorithmic trading in the Indian markets.
- Learned the basics of mutual funds: different types, performance analysis, tax implications, and benefits.
Intern
State Bank of India Staff College
Hyderabad
04.2018 - 04.2018
- Trained in retail advances, loan portfolio management, and treasury management.
- Corporate loans (including pre-sanction and post-sanction processes, working capital, and term loans).
- Performed credit risk assessment (credit risk and facility rating methodologies) for several cases.
- Completed a project on term loan processing for a pharmaceutical company.
- Learned processing of rural credit and agricultural projects.
- Field Visit: Retail Assets Central Processing Centre of the SBI.
Education
Post Graduate Diploma in Management - Banking And Financial Services -
T A Pai Management Institute
Manipal, Karnataka04-2019
Bachelor of Engineering - Mechanical Engineering
University of Pune
Pune06-2016
Class XII -
Maharashtra State Board
Pune, Maharashtra02-2012
Class X -
Maharashtra State Board
Pune, Maharashtra03-2010
Skills
- Credit analysis
- Credit appraisal
- Compliance management
- Portfolio management
- Loan documentation
- Trade finance
- Project finance
- Working capital financing
- MS Office
- Client sourcing
- Cross-sales
- CAM writing
- Financial spreads preparation
- CMA and Projections
Accomplishments
- Certified in Bloomberg Market Concepts
- Secured National Talent Search scholarship by N.C.E.R.T. in 2008
- Secured 20th rank at the state level in the Maharashtra Talent Search Examination by Modern Education Society, Pune, in 2008
- Secured 9th rank at district level in Maharashtra Talent Search Examination by Modern Education Society, Pune in 2009
- Selected by Infosys Technologies for CTY (Catch Them Young) program in 2008
- Secured 14th rank in State Scholarship Examination in 2007
- Participated in Supra (Super Racing) - 2014 organized by SAE India as a member of Suspension team.
- Lead Cost Analysis and Reporting Team in Supra (Super Racing) - 2014 for institute.
- Participated in Baja - 2013, Baja - 2015 organized by SAE India as a member of Suspension team
- Secured position amongst top 3 in the singing competition organized by Rayat Shikshan Sanstha in 2008 and 2009.
- Won the quiz competition organized by Rayat Shikshan Sanstha in 2008 and 2009.
- Secured position amongst top 3 in the singing competition organized by Chandra Surya Rangbhoomi from 2000 to 2003.
- Voted as the Best Table Topic speaker and Best Speaker at TAPMI Toastmasters Club.
Personal Information
- Age: 30
- Gender: Male
Timeline
Associate Relationship Manager
Indusind Bank Limited
09.2024 - Current
Credit Analyst
CSB Bank Limited
11.2023 - 08.2024
Relationship Manager
HDFC Bank Limited
08.2021 - 10.2023
Relationship Manager
ICICI Bank Limited
05.2019 - 07.2021
Research Internship
T. A. Pai Management Institute
01.2019 - 03.2019
Intern
BSE Institute
05.2018 - 05.2018
Intern
State Bank of India Staff College
04.2018 - 04.2018
Post Graduate Diploma in Management - Banking And Financial Services -
T A Pai Management Institute
Bachelor of Engineering - Mechanical Engineering
University of Pune
Class XII -
Maharashtra State Board
Class X -
Maharashtra State Board
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