HIMANSHU GOEL
Email: acuos8@r.postjobfree.com,+91-900*******
Experienced professional with 5.7 years of experience in Wholesale Credit, Credit Risk Management and Financial Analysis
ACADEMIC QUALIFICATIONS
XLRI, Jamshedpur
PGDM(Finance), Full-time General Management Program
Certified Article of Indian Institute of Banking
Indian Institute of Banking and Finance, Mumbai
Financial Risk Management(I)
Global Association of Risk Professional, USA
Bachelor of Technology, Dehradun Institute of Technology, Dehradun
Bachelor of Technology (Computer Science Engineering)
St Joseph Academy, Dehradun
ISC Board
PROFESSIONAL EXPERIENCE
Deputy Manager –Financial Analyst, State Bank of India, Bangalore 2014-2015
Project Finance, Trade finance and WC management
Managed Credit Risk Assessment Team for assessing of credit risk through financial ratio analysis, working capital management and financial leveraging for large corporates.
Prepared CMA and CRA to asses credit worthiness of the corporates
Credit underwriting by analyzing balance sheet, P&L statement and statement of cash flows.
Appraised working Capital using Maximum Permissible Limit, Budgeted cash flow method and Turnover method
Appraised Project financing using DCFF Methods like NPV, IRR, Adjusted Price Value and Peer Valuation.
Appraised trade finance like Pre Shipment credit, Post Shipment Credit, Bill discounting and LC discounting.
Experienced in fee businesses like issuing of LCs and Bank Guarantees.
Administered credit through legally binding loan documentation.
Business Valuation, Business Modeling, Debt Syndication using Excel and post disbursal monitoring
Monitored credit quality after disbursement and timely renewals, enhancements and collateral revaluation.
Developing new relationships with potential clients to increase the size of a portfolio.
Assistant Manager –Financial Analyst, State Bank of India,Bangalore 2011-2014
Term loans and Project finance
Member of Credit Processing Cell. Handled Credit Underwriting of limits up to Rs.2000 million for mid corporate clients under fund based exposures like Working Capital, Overdraft/Cash credit/Term Loan and non-fund based exposures like Letter of credit and Bank Guarantees.
Appraised Term loans using Ratio Analysis, calculation of Interest coverage and debt coverage ratios.
Appraised Project Financing proposals using Free Cash flow method and Discounted cash flow method.
Conducted break even analysis based on Cash flows and cost accounting.
Business Valuation, Business Modeling, Debt Syndication using Excel and post disbursal monitoring
Ensured Adherence to corporate and regulatory operational controls to ensure the safety of banking assets.
Business Risk Analysis based on industry outlook, cost competitiveness, company's market position, competitor profile and long term performance expectations.
As a team member did Economic Research and Analysis of various market variables.
Libsys Ltd, Software Engineer, Gurgaon 2009-2011
Banking Domain
Worked on migration of Banking Enterprise Management System from Mainframe to platform independent JAVA
Managed complete software lifecycle from requirement analysis, optimized code writing, manual testing and deployment at client site.
Optimized database handling with use of Hibernate and EJBs. Proficient in using Mysql and Psql.
AWARDS & ACHIEVEMENTS
Professional
Invited by Parliamentary Standing Committee on FDI in Retail for keeping my views on the subject.
Implemented new ATM channel marketing for SBI,Bangalore
Academic
AIR 15 in CUSAT Engineering entrance in year 2005. In JMET 2009 got 99 percentile.
Selected amongst the 1500 of the 11 lac applicants in SBI Probationary Officer exam in 2011.
ADDITIONAL INFORMATION
Positions of Responsibility
Executive Member of Career Development Committee
Member of Alternate Channels Implementation Team in SBI, Bangalore.
Languages / Sports
Hindi, English,Kannada
Table Tennis, Badminton, Football
HIMANSHU GOEL