Amitabh Sengupta

Credit Manager/Area Credit Manager

**** ***** **** ****, ******* - 700084, (M)+919********* West Bengal, India Email: addlks@r.postjobfree.com

I hold a degree of Business Management with more than 12 years working experience in number of Banks/FIs. I have extensive exposure to all aspects in field of Sales & Operation and I can easily step into a more advanced role.

" More than twelve years banking experience with six years in Credit Management.

" Bachelor degree in Business Management

" Delivered revenue more than expectation/target every year.

" Deep understanding of Liability and Asset products.

" Reduce turn around time (TAT) through the use of experienced ideas.

" Hard working, fast, team player, multi-tasked and dependable

" Proficient in credit analysis, risk analysis and mitigation, credit monitoring, exposure norms and industry scenario.

" Able to effectively disseminate decisions to a variety of people, either orally or in written and coming up with a solution to a problem

" Participated in Credit Management program conducted by Southern India Bank's Staff Training College at Bangalore. Willing to relocate to: Any were in India Metro or International WORK EXPERIENCE:-

Credit Manager – Wholesales Banking - SME

Bandhan Bank - Kolkata, West Bengal July 2016 to Present Duties and Key Responsibilities

Pre Sanction:

Interact with the client (new & existing), gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.

Closely work with RM/Branches/Credit Team in structuring credit solutions for the clients and ensuring the appropriateness of the products.

Work with the RM/Branches, in a) obtaining all pre clearances like ER negativity, segmentation, etc. b) preparing & presenting work-shopping note and c) expediting approvals.

Responsible for end-to-end Credit Analysis process including preparing all the tools like Rating Scorecard, External and Internal rating validation etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.

Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Country/Industries portfolio standard checklist, CIBIL/CRIF High Mark, SAL and regulatory Defaulter check, other special reporting requirements, etc.

Liaise with Credit Committee, COD and Treasure for limit approval/allocation.

Seek necessary approvals for excesses in the account. Post Sanction:

Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with Effective Annual Rate (EAR) and other processes.

Ensure timely submission of quality Quarterly Credit Reports.

Monitor Risk Triggers, Covenants and other credit conditions and report appropriately.

Ensure Zero Bank Credit Analysis (BCA) over dues.

Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.

Proper maintenance of Credit files and ensuring Audit Ready at any time.

Attend EAR/Portfolio call/MTM calls along with the RMs.

EAR In partnership with the relationship manager/Branch/BMs, ensure timely identification of accounts to be put in as per the bank's policies and guidelines.

Nil Provisional, No overdue BCA, QCR, Satisfactory Audit and other internal & external reviews Others:

Satisfactory Audit and other internal & external reviews

document Understood the importance of relationship management with regulatory bodies, proper record of security related to credit/loan at branches level and convincingly demonstrated the same during various regulatory visit and annual inspection of the Bank.

Attending surprise inspection in the branch in quarterly/half early under bank compliance policy norms.

surprise Monitoring of Loans & Advances of all pre & post disbursement stage (off site & in site) by attending inspection of customer business (office/Manufacturing unit) place, Current & Non Current Asset, account monitoring, review and Renewal.

Participating in all seminars, conferences, BFIs meet to establish regular interaction with BFIs and other manufacturer participants which not only help the job holder understand industry risk but also help to keep a regular and active dialogue with industry personnel whereby industries can influence such meetings to take decisions in favor of credit line.

Supervised the Credit Analyst of branch under SME Hub. Credit Administration Manager - Corporation Finance Dept. Tata Capital Financial Services Ltd - Kolkata, West Bengal September 2015 to July 2016 Duties and Key Responsibilities

internal Handling a team in managing the daily administration for loan documentation in full compliance with the standards and external regulatory requirements.

Preparing & relishing Sanction letter for New, Renewal, and Short Review & Adhoc after get vetted by RH CAD & Head CAD through CLOS system within TAT.

Reviewing pre & post sanctioning loan documents and liaise with internal and external parties to ensure proper and efficient delivery of credit administration duties.

Preparing & relishing disbursement memo to operation team for final disbursement.

Monitoring pre & post disbursement compliance to get resolve within TAT.

Conducting periodical review on loan administration policy and procedures to streamline workflow.

Controlling the recording, deposit and withdrawal of the security documentations properly.

Generating, reviewing and maintaining loan disbursement reports for presentation to credit committees, and providing monthly reports on the same, in accordance to the credit policy and guidelines.

amount Ensuring all lending documentation is complete as per the Company Policy and Procedures with respect to of finance, terms and conditions, borrower's borrowing mandate, authorized signatory etc.

Ensuring that there is a robust process for the safe custody and control of all security documents.

Ensuring compliance with the internal policy, credit approval terms and conditions regulatory ratio / policies etc., complete set of documentation and verification before approving any new finance request.

Responsible for collateral valuation, collateral monitoring and collateral reconciliation with original documents, weekly monitoring of any pledged shares value to ensure compliance of coverage ratio and advise Corporate Credit to request top up in case of depreciation of pledge share price.

Getting approvals from relevant authorities for deferral / waiver of incomplete documents and closing within TAT.

of Ensuring post disbursement compliance with approved terms and conditions, assignment of rights, review expiry credits, progress payment insurance, post fact mortgage etc.

with Reviewing daily system credit monitoring and management reports and identifying non performing accounts irregularities and proactively follow-up to ensure corrective action taken in line with credit policy.

Monitoring all irregularities, past dues, documentation deficiencies, etc., and reporting to Senior Management for the same.

Credit Manager - Cluster, SME

Dhanlaxmi Bank - Kolkata, West Bengal February 2013 to September 2015 Achievements

Taken part in the development of the Regional Credit Portfolio building

Became a Cluster Credit Committee member for business development. Relationship Manager -SME

Dhanlaxmi Bank - Kolkata, West Bengal January 2012 to January 2013 Associate Relationship Manager - Emerging Corporate Group IndusInd Bank - Kolkata, West Bengal January 2009 to January 2012 Sales Manager

Deutsche Bank - Kolkata, West Bengal June 2008 to January 2009 Senior Sales Officer

HDFC Bank - Kolkata, West Bengal June 2007 to April 2008 Tele Sales Supervisor

HBL Global Pvt Ltd - Kolkata, West Bengal August 2006 to May 2007 EDUCATION:

Bachelor's degree in Business Management (Finance & Marketing) National Integrated Institute of Business Management & Technology - Delhi, Delhi, 2003 to 2006. SKILLS:

Business Development, Credit, Operations Management, Relationship Management, Risk Management LINKS:

http://linkedin.com/in/amitabh-sengupta-84ab7b34

ADDITIONAL INFORMATION

Competencies:

" Customer Relationship Management " Business Development Management

" Asset and liability Management " Credit & Risk Management

" Technology Management

Computer Proficiency:

• Proficient in Microsoft office (Excel, word, power point) with professional knowledge of MS Excel.

• Completed Diploma in Computer Hardware from IAIS, 2000 Other Skills:

• Diligence: Ability to pay great attention to detail as an analyst, any piece of information or data that is missed can lead to incorrect analysis of a customer and may cause potentially costly problems for the client involved.

• Quantitative Analysis: Ability to look at or create a set of numbers and be able to know what the mean for each particular client.

• Written and Oral Communication: Able to effectively disseminate decisions to a variety of people, either orally or in written and coming up with a solution to a problem.

• Knowledge of Industries: A good understanding of in and out of industries Operations, demands and their works. And always try to gather the information of unknown & new industries.

• Multitasking and Prioritization: Able to work on different projects at once and prioritize projects effectively with different clients at the same time.

Computer Skills:

" Microsoft Word " Adobe Photoshop " Windows 95/98/2000

" Microsoft Excel " Linux, " C++

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