Sharad Kant Saksena

addqvh@r.postjobfree.com, 202-***-****

***** ***** ****, *******, ********

SUMMARY

Experienced Banking Professional with over 37 years of experience at Canara Bank (Nationalized Government of India Bank). Served various functions successfully such as Portfolio Management, Client Relations, Team Leadership, Regulatory Compliance, Risk Management and Exceeding Revenue Goals.

EXPERIENCE

Branch Manager, Metropolitan Branch, New Delhi, India August 2015 – Sep 2018

Headed branch with a staff strength of 18 staff members, managed a business portfolio of $100M in deposits and advances, and developed strategies to successfully achieved target goals such as:

Deposits- Low Cost and Term.

Increase Lending in various segments.

Recover default amounts of unrecovered principal instalment and interest and other charges of loan accounts.

Maintain Healthy Asset Portfolio.

Increase profitability .

Increase non-fund based income.

Promote technology products.

Increase Client Base by adding New clients.

Recover Non Performing Asset (NPA) accounts through consistent follow up.

Rectify Inspection & Audit remarks.

Keep the securities in force and valid.

Maintain nice premises ambience, environment friendly and customer friendly and to promote new and various schemes of the bank.

Branch Manager, Semi Urban Branch August 2012 – August 2015

Headed the branch and secured business to make our bank branch the leader in competition with 21 other bank branches.

Shifted focus to adding to client base and securing remunerative business.

Converted the loss making branch to most profitable branch among 86 other branches in the state.

Maintained good internal control and no adverse remarks by the auditors and inspection units.

Relationship Manager, Prime Corporate Branch Jun 2008 – Aug 2012

Managed top tier clients to increase business and lending.

Participated in Foreign Exchange remittances bid by the top public sector undertakings held with all the other peer banks-required excellent relationships with corporate clients and prompt error free quotes.

Prepared Credit sanctions covering all important terms and conditions, documenting all the pre-release credit documents of various types of limits and loans and further ensuring all the terms and conditions have been duly complied by getting legal vetting of the documentation obtained and our banks charge is duly registered with the various authorities in order to secure our advance.

Documentation of all type of loans- sole banking, consortium, multiple banking arrangement.

General Banker May 2005 – Jun 2008

Managed large advances - domestic, export etc.

By issuing various types of Letter of Credits LC's and Issuance of Bank Guarantees.

Scrutinizing Import Letter of credit terms and conditions and by further discounting, purchasing, negotiating the bills drawn under LC's.

Credit Monitoring & Risk Management Associate May 2001 – May 2005

Review of all credit sanctions made by 110 branches and 2 interstate controlling offices having 68 branches thus totaling 178 branches

Critically analyzing their sanctions in conformity with the banks policy, guidelines, eligibility and number of various other important terms conditions and credit angle thus conveying observations so as to strengthen the security of advances and guiding to set right the irregularities if any done while granting the loans and limits.

Monitoring of all irregular overdue accounts of all the branches due to various conditions and placing the reports fortnightly to Banks Higher authorities and closely following up with the branches to recover the overdue amount and to set right other irregularities.

Allotment of Credit Audit, Stock Audit & Legal Audit to Internal and External Auditors for the advances qualifying for the audit further obtaining their reports and analyzing how the adverse remarks if any to be closed/set right in a time bound manner for closure of such reports.

Preparation of risk assessment reports through various modules and thus allotting Risk Rating to such advances

Bank Officer, Industrial Area Branch Jun 1991 – May 2001

All General Banking Transactions. Mainly learned Large, Medium and Small Industrial advances.- Exports, Imports, Remittances- Inward & Outward .

Rendering efficient banking services to nearly 2 million customers out of which around 1.40 million salaried employees.

Preparation of error free reporting data of various feedback statements to Reserve Bank of India, Export Credit Guarantee Corporation, Banks Higher authorities in a time bound manner.

Bank Officer, Rural Branches Sep 1981 – Jun 1991

Worked for a newly opened branch putting in the best of efforts to increase customer base by securing various types of deposits and also rural lending to agriculturists.

Identifying the needs of small business units by granting business limits.

All General Banking activities and Rural Lending. Attending the various local government body meetings.

Prepared reporting statements to provide various business intelligence to achieve targets.

EDUCATION

University of Delhi, New Delhi, India.

Bachelor of Commerce (Honours)

Contact this candidate