Sourav Majumder
Kolkata
Summary
Experienced Professional and Diligent and Focused Credit Manager with 10 years plus experience pursuing a career opportunity which enables me to apply my knowledge and expertise for growth of credit portfolio by catering timely and needful credit requirement for industries and thereby to participate in economic development of our Country.
Overview
17
17
years of professional experience
Work History
Credit Officer - Scale II
Indian Overseas Bank
10.2013 - Current
- Joined Indian Overseas Bank in October 2013 as Probationary Officer - Scale I.
- Got promoted to Manager - Scale II in 2020.
- Performed as Credit Officer for handling Industrial Credit - Corporate and MSME.
- Preparation and presentation of Business Proposals - Fund Based like Cash Credit; Term Loan; Bills Discounting; Packing Credit etc. and Non Fund Based like Letter of Credit and Letter of Guarantee under Sole Banking; Multiple Banking and Consortium Arrangement.
- Preparation and presentation of Project Loan Proposal for Real Estate Hotel and Hospitality Industry and Infrastructure Development Projects.
- Analysis of Audited Financial Statements; Projected Financial Results and Ratio Analysis and Cash Flow Analysis.
- Meeting with prospective borrowers both Large Corporates and MSME Organizations and analysing their credit needs and matching with the Bank's Loan Policy guidelines and special Schemes.
- Liasoning with various Professionals - Advocate; Valuer/Engineer; Chartered Accountants for preparation and submission of documents required for loan proposal.
- Loan Documentation and Guarantee Agreement; creation/modification of mortgage; creation/modification of Banks' Charges with various authorities - CERSAI; ROC;CGTMSE etc.
- Handling Internal and External Audit and Inspection work and also submission of reply of audit queries and auditor's observations.
- Following up with Borrowers classified under SMA and Projected NPA category.
- Issuing Overdue Notice; Recovery Notice; SARFAESI Notice.
- Internal Credit Rating of Prospective and Existing Borrowers.
Audit Assistant and Intern
CA Firm
07.2008 - 07.2013
- Reviewed general ledger transactions to identify errors or irregular entries.
- Assessed financial statements and records.
- Supported senior auditors in the preparation of detailed reports for management, outlining key findings and areas for improvement.
- Completed audits in accordance with regulations and procedures.
Education
CAIIB -
Indian Institute of Banking and Finance
Certified Credit Professional - undefined
Indian Institute of Banking and Finance
C.A. (Inter) -
Institute of Chartered Accountants of India
07-2011
B.Com (Hons.) - undefined
Calcutta University
01.2008
Skills
- JAIIB, CAIIB and Certified Credit Professional from IIBF
- Capacity Building programme for Financing MSME Sector by Financial Inclusion Department, Reserver Bank of India
- Attended and Successfully completed NAMCABS Workshop conducted by RBI
- Completed 100 hours Computer Course from The Institute of Chartered Accountants of India
- Completed TALLY Package from CMC
Accomplishments
- Certificate of Appreciation received for performing as per Corporate expectation and achieving the target as Manager.
- Certificate of Appreciation received in recognition of my outstanding performance and significant contribution towards growth of Indian Overseas Bank as Assistant Manager.
PERSONAL INFORMATION:
Language Known: English, Bengali and Hindi
Timeline
Credit Officer - Scale II
Indian Overseas Bank
10.2013 - Current
Audit Assistant and Intern
CA Firm
07.2008 - 07.2013
Certified Credit Professional - undefined
Indian Institute of Banking and Finance
B.Com (Hons.) - undefined
Calcutta University
CAIIB -
Indian Institute of Banking and Finance
C.A. (Inter) -
Institute of Chartered Accountants of India
Hobbies and Interests
Hobby: Music, Books and Films
Disclaimer
I declare that all the above information are genuine.
BEHAVIORAL CHARACTERISTICS:
- Sincere in attitude
- Quick Learner
- Confident and focused
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