Surjeet Chand
NEW DELHI
Summary
Accomplished banking professional with a proven track record at INDUSIND BANK LIMITED and ICICI Bank, adept in managing SME loans and ensuring compliance with RBI regulations. Skilled in Advance Excel and interpersonal communication, I excel in credit assessment, relationship management, and driving operational efficiency. Demonstrated success in enhancing customer satisfaction and minimizing NPAs through strategic oversight and effective communication.
Overview
8
8
years of professional experience
Work History
Manager
INDUSIND BANK LIMITED
New Delhi
09.2023 - Current
- Managing the processing & relationship management of SME loans which includes renewal of accounts, short review memo for accounts and disbursement of loans
- Handling all the pre-disbursement and the post-disbursement operations which includes, file verification, lodgment of securities, limit setting in core system, account opening, collections and customer services
- Products handled - Bank Guarantee limits, working capital limits- Cash Credit/Overdraft, Letter of Credit limits, EPCL/PCFC, Post Shipment Limits, Term Loans, ITLs, limits for derivative products as well as cross-sell of insurance and investment solutions
- Responsible for assessment of Credit Limit of various SME customers based on their Creditors, Debtors Stock Values, Projected Sales and Collaterals
- Balance Sheet analysis Credit assessment and documentation
- Monitoring the post disbursement activities like follow up with the customers for renewals, service reminders and watch out for conduct of the A/c on regular basis so that same does not turn to NPA
- Support day to day management of relationships and communications with business partners at various levels of the organization, as well as other internal and external resources
- Ensure compliance for all relevant regulations and policies as per RBI and provide support on other related functions
Deputy Manager
ICICI Bank Limited
09.2021 - 09.2023
- Overseeing the administration of SME loan processes and client relationships, including managing loan disbursements, account renewals, and preparing concise review memos for accounts.
- Handling both pre- and post-loan disbursement tasks, such as document verification, lodging securities, setting credit limits in the core system, opening accounts, collections, and delivering customer service.
- Assessing credit limits for SME clients based on their receivables, payables, inventory values, estimated sales, and collateral provided.
- Ensuring adherence to RBI regulations and organizational policies, while offering support for related functions.
- Managing a range of financial products, such as Bank Guarantee limits, working capital facilities (Cash Credit/Overdraft), Letter of Credit limits, EPCL/PCFC, Post Shipment Limits, Term Loans, ITLs, and derivative product limits, in addition to promoting insurance and investment solutions.
- Performing balance sheet evaluations, credit assessments, and ensuring all necessary documentation is completed.
- Monitoring post-disbursement activities, including customer follow-ups for renewals, service reminders, and regularly tracking account behavior to avoid accounts turning into NPAs.
- Assisting in the day-to-day management of relationships and communication with business partners at various levels of the organization, while also coordinating with both internal and external teams.
Intern
CA FIRM- SAHIL K.SHARMA AND CO.
09.2016 - 08.2019
- Drafting Resolutions, Minutes of Board Meeting, General Meetings, Notice and other normal Company Secretarial Documents.
- Drafting of NCLT Petitions for various Dispute Matters under Companies Act
- Preparation and filing of Annual Filing Documents and Forms.
- Basic knowledge of Listed and Public Limited Companies
- Filing of ECB, FC-GPR, other FEMA compliances
- All secretarial works such as issue of shares, increase in Authorized capital, Transfer of shares, Charge satisfaction, Charge Creation, Modification.
- Labour Laws, PF, ESIC.
- All types of Business Licensing and Registrations
Education
POST GRADUATION IN BANKING AND FINANCE. - Banking And Finance
MANIPAL UNIVERSITY.
BANGLORE02-2022
FOUNDATION AND EXECUTIVE PROGRAM. -
Institute of Company Secretaries of India
NEW DELHI11-2019
BACHELORS OF COMMERCE - Bachelors in Commerce (HONS)
KALINGA UNIVERSITY
RAIPUR06-2018
XII (Senior Secondary) - Commerce.
Jawahar Navodaya Vidyalaya
Udhampur, Jammu And Kashmir.04-2014
Skills
- Advance Excel
- IRDA Certification
- Advance MS Office
- Writing
- Interpersonal Communication
Languages
- Hindi
- English
Technicaldomain
- NISM Certified.
- IRDA Certified 2024.
Timeline
Manager
INDUSIND BANK LIMITED
09.2023 - Current
Deputy Manager
ICICI Bank Limited
09.2021 - 09.2023
Intern
CA FIRM- SAHIL K.SHARMA AND CO.
09.2016 - 08.2019
POST GRADUATION IN BANKING AND FINANCE. - Banking And Finance
MANIPAL UNIVERSITY.
FOUNDATION AND EXECUTIVE PROGRAM. -
Institute of Company Secretaries of India
BACHELORS OF COMMERCE - Bachelors in Commerce (HONS)
KALINGA UNIVERSITY
XII (Senior Secondary) - Commerce.
Jawahar Navodaya Vidyalaya
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