UTKARSH BISHT
Credit Manager
ROORKEE
Summary
Experienced finance professional prepared for role. Strong focus on risk assessment, credit analysis, and client relationship management. Known for team collaboration and achieving results. Reliable and adaptable, skilled in financial reporting, regulatory compliance, and strategic planning.
Overview
11
11
years of professional experience
5
5
Certifications
2
2
Languages
Work History
Manager
Punjab National Bank
04.2021 - Current
- Conducted credit appraisal of MSMEs, internal risk rating, and managed a credit portfolio of USD 70 million, including the Patanjali Group account.
- Assessed the creditworthiness of clients in renewable energy, hotels, schools, colleges, paper mills, traders, and rice mills, ensuring adherence to credit policies.
- Implemented internal control systems to mitigate credit risks and enhance portfolio performance.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Developed strong relationships with clients through professional communication and timely resolution of credit issues.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
Assistant Manager
Punjab National Bank
07.2016 - 03.2021
- Conducted credit appraisal of MSMEs, internal risk rating, and managed a credit portfolio of USD 10 million.
- Assessed creditworthiness of clients in cold storage, traders and rice mills ensuring adherence to credit policies.
- Implemented internal control systems to mitigate credit risks and enhance portfolio performance.
Assistant
Bank of Baroda
07.2015 - 05.2016
- Handled day-to-day operations of branch banking, including cash handling, account opening, and regular KYC updates.
Education
Bachelor of Technology - Biotechnology
G. B. Pant University Of Agriculture & Technology
06-2014
Senior Secondary School - undefined
St. Gabriel's Academy, Roorkee
01-2010
High School - undefined
St. John's Sen. Sec. School, Roorkee
01-2008
Skills
Financial Management
Business Development
Strategic Planning
Loan Application Evaluation
Profit and Loss Management
Experience in MSME loan assessment
Research and due diligence
Policy implementation
Client relationship management
Loan decision assessments
Customer service
Certification
JAIIB-Junior Associate of Indian Institute of Bankers
Indian Institute of Banking & Finance (IIBF)
Timeline
Manager
Punjab National Bank
04.2021 - Current
Assistant Manager
Punjab National Bank
07.2016 - 03.2021
Assistant
Bank of Baroda
07.2015 - 05.2016
Senior Secondary School - undefined
St. Gabriel's Academy, Roorkee
High School - undefined
St. John's Sen. Sec. School, Roorkee
Bachelor of Technology - Biotechnology
G. B. Pant University Of Agriculture & Technology