Subita Saha

1. Credit and Risk analysis for clients having a turnover of 50 crore and above.

2. Customer Due Diligence, KYC verification and decision making for onboarding new clients.

2. Digital CAM preparation for credit proposals up to Rs.10 crore and word note preparation for above Rs.10 crore.

3. Proposal presentation before the sanctioning authority.

1. Maintaining accounts of corporate clients having exposure of Rs.10 crore and above and building positive relationships with them.

2. Timely reviewing of accounts and preparing various notes (Review proposal, enhancement note, NTB proposal, concession notes etc.)

3. Seeking out new business opportunities for the clients and advising them on various products or services that best fit their needs.

4. Understanding customer needs and developing plans accordingly to address them.

5. Resolving customer complaints quickly and effectively.

• Assessing credit requirements for the existing customers as well as prospective clients falling under MSME, Corporate and Agriculture sector
• Conduct CDD of customer profile for the new clients
• Risk analysis of the proponent in CRISIL RAM Rating model
• Reviewing the financial data submitted by the Company to ascertain level of risk involved for extending credit
• Analysis of the financial statement and assessment of credit limit
• Processing of credit proposals after assessment of limit and presenting the same to the upper management and Executive Team for loan recommendations
• Comprehensive monitoring of the account after sanction.

• Meeting existing as well as prospective customers to generate business opportunities and ensure incremental growth of branch business
• Overseeing the entire operations of the Branch (Deposits, Administration, Operations and Advance) and responsible for the Branch business
• Excellent Team Management skills with ability to handle personnel issues and strong team bonding
• Having knowledge in depository, custody, investment accounting and other reconciliations.

• Processing of Retail Loan proposals and small MSME proposals sanctioned under different Government schemes (like MUDRA, Stand Up India, Start Up India)
• Operations and other deposit departmental works.