Tanmoy Bose

Present in Charge of Mid Corporate Centre in Bardhaman looking after the Bank's MSME and Agri Portfolio in the District of Purba Bardhaman and Birbhum District having clientele base of more than 250 with aggregate volume of business of More than Rs 1100 Crore.

• Manage loan appraisal process, ensuring compliance with regulatory requirements and bank policies.
• Conduct credit analysis and risk assessments to determine loan eligibility and potential risks.
• Lead team of loan officers and underwriters to ensure timely loan processing and decision making.
• Collaborate with sales teams to increase revenue.
• Monitor loan portfolios to identify and mitigate risks, and proactively address issues.
• Participate in customer meetings to resolve loan-related queries and concerns.
• Handholding of Linked Branches for generation of quality leads.

• During the period worked in Bank's International Banking Branch (IBB) and large Corporate Branch (LCB) handled credit portfolio of close to Rs 20000 Crore
• Leading the team for Sanction/Approval of Corporate Credit.
  Place the Credit Proposal before Credit Committee based on qualitative & quantitative analysis of borrower.
• Identifying key risk areas vis-a-vis external & internal factors & industry scenario and taking suitable risk mitigation steps.
  Credit Risk Assessment of the corporate client through Credit Risk Rating under Bank’s internal rating models, TEV/DPR Study, CMA Analysis, Obtaining Market Report & Conducting Detailed Due Diligence, Study CIR and Financial of Borrower/Group, Understanding credit risk of the client and incorporate suitable risk mitigate in sanction terms.
• Monitoring rating migration analysis of Corporate Credit Portfolio.
  Monitoring existing project for time bound completion and supporting promoter for their banking need. Ensuring adherence of Bank’s Credit Risk Policy and other internal & regulatory guidelines.
  Regular monitoring of the outstanding Corporate Credit Portfolio with respect to latest available information such as latest financials, ERR, IRR,DDR, ROC Search, Stock Audit, CARD Audit, Consortium Meeting, Informations on Print Media & other information and analyzing the same in order to identify new risk areas if any arose which were not present initially at the time credit was extended and taking timely appropriate Risk Mitigation Measure.
• Looking after after the export credit need of corporate borrower.

• Oversaw reporting, documentation and recordkeeping requirements for department.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
• Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.

Worked in Credit Team at Mid Corporate Branch Kolkata

• Looking after overall credit portfolio of Branch having business exposure of close to 500 cr including appraisal of corporate credit.
• Managed credit risk management function, overseeing credit approval process and credit risk assessment.
• Conducted credit risk assessments and analyses to identify potential risks and opportunities.
• Prepared credit risk reports and presented findings to senior management.

• Recommended approval or disapproval of MSME credit loans including retail exposure.
• Managing Day to Day operation of Credit Client i.e. Allowing Operation in loan account, Monitoring CC Account, NFB operation, TL Disbursement, Verifications of Unit/ Project Site, Execution of Loan Document, Credit Risk Rating, following up with PNPA borrower. Arranging Customer Meet and Marketing for Credit Lead, Cross Selling of Bank Products.
• Performed semi-annual account credit limit reviews as per need of the customer.
• Obtained and interpreted financial statements to assist in credit limit reviews.
• Became the 1st Branch Head of the Nuapada Branch of the Bank.