Tanmaya Kumar Panda

Analyzed and appraised credit proposals for NTB and existing SME borrowers.

• Managed loans ranging from Rs 1.00 Cr to Rs 300.00 Cr for various financing purposes.
• Conducted financial due diligence, risk analysis, cash flow assessments, and industry evaluation
• Ensured compliance with applicable laws, regulations, and industry standards.
• Conducted thorough analysis of customer requirements, financial statements, and credit risks.
• Prepared credit proposals with justification aligned with bank's credit policy.
• Executed pre-sanction activities, including site visits and due diligence on borrowers.
• Drafted credit-related notes on financial deviations and modifications for review.
• Presented comprehensive analysis to competent authorities for decision-making.

• Managed MSME portfolios in branch banking for over five years across multiple locations.
• Conducted timely reviews and monitored MSME accounts to ensure compliance and performance.
• Executed various audits, including statutory, internal, credit, and stock audits.
• Validated portfolio profitability during annual reviews by analyzing client borrowing activities.
• Identified financing opportunities to proactively retain existing clients.
• Reviewed financial statements, performed risk evaluations, and assigned risk ratings.
• Addressed potential risks such as arrears and declining financial results promptly.
• Performed due diligence on asset portfolios during new and renewal sanctions.