Summary
Work History
Education
Skills
Accomplishments
Trainingworkshopcertification
Personal Information
Languages
Affiliations
Timeline
Generic
SOURABH CHAUHAN

SOURABH CHAUHAN

Bhopal

Summary

Analytical and result driven banker, adept at streamlining service and policies to optimize customer experiences .Looking to contribute extensive experience, streamlining management and processing of loan applications within a reputable institutions also whilst mentoring new employees on a variety of loan products and services.

Work History

Zonal Credit Manager (Chief Manager-CMII)

ICICI Bank Ltd
Bhopal
  • Job profile involves end-to-end process of Retail loan facilities including sanction & disbursement approval and hand holding of team of 15 credit managers and 4 CBCs of MP-2 Region
  • This involves: Monitoring end to end TAT of sanction & disbursements and driving first time right concept
  • Handling volume of 1500 monthly login and disbursement of approx
  • Rs.180 Cr across products
  • Training & interaction with all stakeholders for improvement of file sourcing, TAT, first time right and adoption of digital enablers
  • Co-ordination with Branches, Regional Office, outbound sourcing channels and development of synergy with sourcing team
  • Analysis and monitoring of existing portfolio for normalization of non-starter, 30plus and 90 plus critical cases
  • Collaborating with Operations, sales, FCPG and central team for better execution process and operating guidelines
  • Review and collection of Post Disbursement Documents (PDD) for mortgage loans
  • 360 capturing of customers and exploring opportunities to increase bank’s wallet share
  • Process decongestion and improvement in end-to-end process
  • Hiring of people and onboarding them in coordination with HR.

Credit Manager (MMI)

ICICI Bank Ltd
Mumbai
  • Job profile involved: Overall responsibility of credit appraisal/monitoring of the advances portfolio of the region comprising of branches and outbound channel
  • Scrutiny of papers/documents as required for the proposal to be processed
  • Discussion with the client to understand his business model and determining genuineness and viability of credit request of the borrower
  • Detailed financial analysis of client based on Balance sheets, CMA data, account statements, liquidity and solvency ratios to determine financial strength, conduct of account and eligibility for credit facilities like Leased rental discounting, Mortgage overdraft and Loan against property
  • Preparation of detailed credit appraisal note giving the facts in proper and systematic manner and recommendation for sanction of facility
  • Processing & checking legal clearance in co-ordination with empaneled lawyer for funding builder project cases under Advance processing Facility and taking approval of Tri-party funding for builder and development authority cases

Credit Manager (Middle Management Grade-II)

Bank of Maharashtra
Nagpur- Sitaburdi
  • Job profile involved credit appraisal of Mid corporates for fund based and non-fund based credit facilities above Rs.100 crores and preparation of detailed appraisal note for sanction of facilities
  • Business development/sourcing new clients
  • Project financing on ‘Underwriting-cum-syndication’ basis
  • Project appraisal, preparation of credit appraisal not to be presented before the board of directors meeting, preparation of Information Memorandum, etc
  • Assessing the credit requirements of potential clients which were mostly mid-sized corporate/projects with exposure Rs.100 Cr
  • To Rs.500 Cr, preparation of credit appraisal notes and carry out internal rating of the accounts
  • Evaluation of financial models and to calculate project IRR, DSCR, Payback Period, Sensitivity Analysis, MPBF, Drawing Power, etc
  • Handle relationship from start to liquidation of facilities with clients which include preparation of in-principle note
  • Detailed credit analysis and preparation of appraisal note, carry out internal credit rating based on projected financials/audited financial statements, documentation, disbursements, monthly monitoring, annual reviews, site visits/inspections, handling day to day operational queries, handling facilities enhancements/decrease requests, assisting internal/credit/RBI auditors, active participation in consortium meetings, issuance of No Objection certificates/solvency certificates, etc
  • Handled overall responsibility of non-fund based facilities- Letter of credit, Bank Guarantee and covering exposure under ECGC and CGTSME
  • Liasioning with regional/zonal/corporate office.

Credit Manager (Middle Management Grade-II)

Bank of Maharashtra
Mumbai
  • Worked as Manager (Credit) (Middle Management Grade, Scale - II) in SME branch of Bank of Maharashtra at Goregaon west, Mumbai handling Working Capital financing including Off-balance sheet financing (Non-Fund Based Facilities) to SME clients
  • Job profile involved: Business development/sourcing new clients
  • Detailed financial analysis of client based on Balance sheets, CMA data, account statements, fund flow & cash flow statements, liquidity and solvency ratios to determine financial strength, conduct of account and eligibility for credit facilities
  • Carrying out necessary due diligence of the client from independent third-party sources, information available through CIBIL reports, RBI willful defaulters list, ECGC SAL list, SMA list, CRILC, CERSAI, MCA, ICAI, Internet search etc
  • Facilitating internal/credit audit and rectifications of observations
  • There has been Nil short recovery in the branch’s credit portfolio during the two annual risk based internal audit of the branch and credit audit of all the advance’s accounts
  • Getting the relevant documents for the sanctioned facilities executed and vetted
  • Disbursement of the facility, monitoring of existing and fresh accounts and relationship management
  • Preparation of branch’s balance sheet and profit n loss account on weekly basis
  • Preparation of monthly Ascrom (Assets Classification and Credit Monitoring) reports
  • Worked as back up of operations department
  • Handling other responsibilities such as MIS, HR related, branch infra related, etc.

Education

MBA Banking Management -

NMIMS Mumbai, NMIMS University
01.2010

B.Com. (Accounts Hons.) -

Institute for excellence in higher education, Bhopal, Barkatullah University
01.2007

HSC -

Kendriya Vidyalaya No.1, Bhopal, CBSE
01.2004

SSC -

Kendriya Vidyalaya No.1, Bhopal, CBSE
01.2002

Skills

  • Credit risk assessment
  • Financial statement analysis
  • Client relationship management
  • Risk management and compliances
  • Team leadership
  • Fraud detection and prevention
  • Data driven decision making
  • Compliance with banking regulations

Accomplishments

  • Top-performer in contest of best TAT category for mortgage loans in first quarter of FY 2018-19.
  • Senior Executive Committee member of IIP cell
  • Organizing committee member of Rendezvous, college festival
  • Worked with ‘Srijantmak Samanjasya‘, an NGO organizing RTI workshops in rural areas around Bhopal

Trainingworkshopcertification

  • Certificate of participation in priority sector lending conducted by RBI
  • One of the members of a team involved in a scorecard development and testing (UAT) for mortgage loans in i-lens software.
  • Summer Internship at State Bank of India
  • Credit Risk Management in SME Lending
  • Studied standards of credit appraisal and methods for lending to small and medium enterprise
  • Studied financial ratios used for credit risk assessment and management

Personal Information

Date of Birth: 01/03/87

Languages

Hindi
First Language
Hindi
Intermediate (B1)
B1
English
Intermediate (B1)
B1

Affiliations

  • Certificate of participation in priority sector lending conducted by RBI
  • One of the members of a team involved in a scorecard development and testing (UAT) for mortgage loans in i-lens software.
  • Summer Internship at State Bank of India
  • Credit Risk Management in SME Lending
  • Studied standards of credit appraisal and methods for lending to small and medium enterprise
  • Studied financial ratios used for credit risk assessment and management

Timeline

Zonal Credit Manager (Chief Manager-CMII)

ICICI Bank Ltd

Credit Manager (MMI)

ICICI Bank Ltd

Credit Manager (Middle Management Grade-II)

Bank of Maharashtra

Credit Manager (Middle Management Grade-II)

Bank of Maharashtra

MBA Banking Management -

NMIMS Mumbai, NMIMS University

B.Com. (Accounts Hons.) -

Institute for excellence in higher education, Bhopal, Barkatullah University

HSC -

Kendriya Vidyalaya No.1, Bhopal, CBSE

SSC -

Kendriya Vidyalaya No.1, Bhopal, CBSE

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