Vishal Dawar
Delhi
Summary
Having 13 years of experience in Union Bank of India and have worked in various departments including branch and core credit areas. Total experience of working in core credit area and handling MSME and corporate loans from past 9 years. Comprehensive knowledge of the banking industry and its procedures as well as having the ability to aim high, think smart and act fast. Currently looking for a suitable position in a progressive, ambitious and reputable Financial Institution.
Overview
2025
2025
years of professional experience
Work History
Trainee
Kotak Mahindra Old Mutual Life Insurance
- Quantitative Analysis of different ULIIP plan on the basis of Portfolio performance Ratios
Trainee
505 Army Base Workshop
- Designing and Fabrication of a Turbocharger and Supercharger coupler
- Gained knowledge about the working and overhauling of Tanks T-72 & T-92
Senior Manager
Union Bank of India
07.2011 - Current
- Conducted thorough financial assessments of MSME loan applications, including reviewing financial statements, tax returns, business plans, and credit histories to determine eligibility and risk levels.
- Collaborated with business owners and relationship managers to gather relevant information and ensure the loan application process was smooth and efficient.
- Evaluated the feasibility of loan repayment by analyzing cash flow, profitability, and overall business performance of MSMEs.
- Applied a strong understanding of MSME lending products, government schemes, and industry-specific financial requirements to ensure loan applications met both internal policies and regulatory guidelines.
- Used credit scoring models, risk mitigation techniques, and industry benchmarks to support loan approval decisions.
- Communicated with clients regarding the status of their applications, requested additional documentation, and advised on alternatives when necessary.
- Ensured compliance with local, national, and international financial regulations (e.g., KYC, AML) throughout the loan processing cycle.
- Identified potential risks and provided recommendations for appropriate loan structuring to minimize defaults and improve repayment rates.
- Assisted in training junior underwriters on best practices and evolving regulatory requirements in MSME loan underwriting.
- Successfully processed and underwrote loans for both MSMEs and large corporate customers.
- contributing to the growth and development of small businesses in the region.
- Identified and flagged potential fraudulent loan applications, preventing significant financial loss.
- Reporting regularly to regional headquarters
- Working in core credit area and handling both fund based and non fund based facilities from last 9 years
- Handling the credit Department of the Branch from last 3.5 years and given somewhat all kinds of credit facilities including fund based as well as non fund based
Education
MBA - FINANCE, MARKETING
DELHI INSTITUTE OF ADVANCED STUDIES
New Delhi01.2011
B.Tech.(MAE) - MECHANICAL & AUTOMATION ENGINEERING
GURU PREMSUKH MEMORIAL COLLEGE OF ENGINEERING
New Delhi01.2009
Internships Live Projects
- Kotak Mahindra Old Mutual Life Insurance, Trainee, 2 Months, Quantitative Analysis of different ULIIP plan on the basis of Portfolio performance Ratios., Gained knowledge about the Insurance sector and various products of insurance (Traditional as well as ULIPs).
- 505 Army Base Workshop, Trainee, 6 Weeks, Designing and Fabrication of a Turbocharger and Supercharger coupler., Gained knowledge about the working and overhauling of Tanks T-72 & T-92. Gained knowledge about the working and overhauling of Bridge Layers and Tatras.
Extra-Curricular Activities
Participated as a volunteer in foundation stone laying ceremony organized by Guru Premsukh Memorial College of Engineering at Murthal, Haryana.
Participated in the seminar on Application of Renewable Energy in Disaster Management organized by Mahatma Gandhi Institute of Integrated Rural Energy Planning and Development.
Participated as a volunteer in the college fest and organized the event of LAN Gaming.
Training Programs
- 2011, Induction for Prob. Officer
- 2012, LAS for Officers of SU & R
- 2013, Program on Advances - SME
- 2013, Agriculture Growth Engine
- 2014, Program on Cr.Monitor & Doc.M/U
- 2014, NPA Reco Mgmt - Rural & SU
- 2014, Ref Program on CBS & IT-officers
Mobile Numbers
- 07411451143
- 09590648682
Personal Information
- Father's Name: Mr. Gulshan Rai Dawar
- Date of Birth: 09/23/86
- Gender: Male
- Marital Status: Married
Timeline
Senior Manager
Union Bank of India
07.2011 - Current
Trainee
Kotak Mahindra Old Mutual Life Insurance
Trainee
505 Army Base Workshop
MBA - FINANCE, MARKETING
DELHI INSTITUTE OF ADVANCED STUDIES
B.Tech.(MAE) - MECHANICAL & AUTOMATION ENGINEERING
GURU PREMSUKH MEMORIAL COLLEGE OF ENGINEERING
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