Anil Niroula

**** ******* ******, *** *********, CA • 510-***-****

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Credit Analyst with over a decade of experience in Banking and two master's degrees, including a recent MA Economics (STEM Certified) from Indiana university, Bloomington. I have honed my expertise in managing complex financial transactions, analyzing market trends, and cultivating strong client relationships. I have worked in international offices of Indian banks, where I gained valuable exposure to diverse business cultures & practices. My background in Credit Appraisal, Financial Analysis, Risk Management, Strategic Planning & Execution, and Business Development has enabled me to thrive in fast- paced, deadline-driven environments as a results-driven team player. My ability to provide trusted advice to senior leadership has made me a valuable asset to any organization seeking to succeed in competitive landscape.

Areas of Expertise

•Credit Analysis

•Financial Analysis

•Risk Assessment & Mitigation

•Industry and Customer Research

•Credit Management

•Credit Opinion Drafting & Presentation

•Strategic Planning & Execution

•Small Business Loans

•Relationship Management

•Core Banking Software “FINACLE”

•MS-Office (Word, Excel, PowerPoint)

Notable Career Accomplishments

Earned many awards like “Employee of the Year” and “Member of Chairman’s Club” for outstanding performance in different roles at a bank.

Pivotal in increasing the profit and business the branch; won the award of “Best Branch” multiple times.

Played a key role as a member of the Product Development Committee (PDC), Strategic Planning Committee (SPC), and Credit Risk Management Committee (CRMC) among others.

Credited with building an SME (Small and Medium Enterprise) credit product which grabbed portfolio of around 15 % of total credit portfolio of the Bank.

Professional Experience

Everest Bank Limited (Joint Venture with Punjab National Bank, India), Kathmandu, Nepal 2010 to 2022

Branch Manager, September 2014 to August 2022

As a Branch Manager, I was responsible for expansion of the credit and deposit business, sanction credit facilities and ensure compliance process, which involved screening of fresh credit proposals, conducting project appraisal/financial analysis, performing site/unit inspections, and submitting large loan proposals to higher authorities with appropriate recommendations. I successfully handled a diverse range of customers, including small businesses, corporate and retail customers. My expertise in small business, corporate and retail loans, helped me develop and innovate credit products which drew a large business for our bank by identifying and attracting new customers. Through effective strategic networks and teamwork, I expanded business to new geography and market segments leading to increased customer base and profits. Overall, my proficiency in credit management, marketing, and compliance played a significant role in the success of the bank's mission.

Pivotal in increasing the profit and Business of the branch; won the award of “Best Branch”.

Credit officer/Credit Analyst (mid-level manager), 2012 April to 2014 August

My primary responsibility is to draft and present credit opinions to the Credit Approving Committee in accordance with the bank's credit policies. I effectively managed consumer and small business credit portfolio, ranging from marketing new businesses, conducting annual reviews, waivers, and amendments while performing responsible, forward-looking, and risk-conscious assessments of the credit portfolio in compliance with relevant policies and credit standards. I liaise with various departments such as Front Office, Credit Administration, and Treasury as part of the credit process. Additionally, I conduct credit reviews and research on industry and customer-related information for all new proposals and existing customers. I monitor industry and sector trends, as well as counterparty risks, for early warning signals and coordinate with the Head/Deputy Head of Credit Risk, Credit Administration, and Relationship Managers in connection with credit proposals, modifications, annual reviews, and clients' financial performance monitoring.

Management Trainee, March 2010 to March 2012

As an entry-level position, I was responsible for assessing loan applications from various segments, including personal, mortgage, and business loans. Through thorough analysis of financial statements, credit histories, and repayment capacities of the applicants, I provided recommendations for loan approvals. In addition to evaluating creditworthiness, I gained experience in executing credit and loan documentation, and prepared credit memos with recommendations for approval by competent authorities. I also played an active role in promoting and cross-selling various credit-related products and services offered by the bank.

Education

MA Economics (STEM) Grade: 3.01 Indiana University, Bloomington, IN, 2022

Master in Business Studies Grade: First Division Tribhuvan University, Kathmandu, Nepal, 2007

Professional Training

Three days programme on “Strategic Management of Innovation” at Indian Institute of Management (IIM), Bangalore, India Two weeks “International Programme on Asset-Liability Management” at National Institute of Bank Management, India Three weeks “Senior Leaders’ Programme” at Indian Institute of Management (IIM), Ahmedabad, India

Four weeks “International Programme in Banking & Finance” at National Institute of Bank Management, India SCB's Correspondent Banking Academy Workshop organised by Standard Chartered Bank, Nepal

Workshop on “Risk Management” organised by IFC-World Bank Group

Two days training in “Consumer Credit” conducted by Everest Bank Limited, Nepal Three days training in “SME Credit” conducted by Everest Bank Limited, Nepal One-day workshop in “International Trade” organised by Standard Chartered Bank, Nepal

Certifications

JANBI (Junior Associate of National Banking Institute), First Division

Financial Modelling (Association of International Wealth Management of India)

Awards & Recognitions

An Employee of the Year (Everest Bank Ltd.) Member of Chairman’s Club (Everest Bank Ltd.)

Associations

Founder Treasurer, Nepali-American Student & Women’s Educational Relief, Kathmandu, Nepal VP-Education; EBL Toastmasters Club, Kathmandu, Nepal

Vice-President; LEADERSHIP FORUM, Everest Bank Limited

Founder Secretary & Vice-president of “Lions Club of Kathmandu Lord Buddha”

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