CA Girijesh Bansal

• While working in HDFC Bank, Portfolio size is grown by 5 times in value as well number of customers. With not an single default due to effective portfolio monitoring skill and devising timely action plan.
• Conducted thorough credit analyses of loan applications, evaluating applicants' financial information, credit histories, and collateral to assess creditworthiness and determine risk levels.
• Made sound underwriting decisions in accordance with established policies, procedures, and regulatory guidelines, ensuring compliance with all applicable laws and regulations.
• Managed diverse portfolio of loan products, including commercial real estate loans, SME Loans, commercial and industrial loans, and small business loans.
• Collaborated with relationship managers, loan officers, and other stakeholders to gather necessary information and documentation for underwriting purposes and resolve any issues or discrepancies.
• Prepared detailed credit memoranda and underwriting reports to document analysis process, summarize findings, and recommend approval or denial of loan applications.
• Having Delegated Power of $8.4 Mio to make a standalone decision for approval or denial of case.
• Conducted periodic reviews and risk assessments of existing loan portfolios, identifying potential credit risks and recommending appropriate risk mitigation strategies.
• Provided guidance and mentorship to junior underwriters, assisting with complex loan transactions and facilitating their professional development.
• Maintained up-to-date knowledge of industry trends, regulatory changes, and best practices in underwriting and risk management.
• Evaluated staff performance through regular reviews, identifying areas for improvement while recognizing achievements that contributed positively to department''s mission.
• Enhanced team efficiency by streamlining communication processes and implementing new procedures.
• Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.

• Handling Mid-Corporate Segment for Entire MP with Turnover range upto Rs.1000 Crore.
• Obtaining and reviewing credit reports, credit references and financial statements to establish credit limits .
• Handling cases for Working capital and Term Loan requirement for SME Segment for MP including of funding to ULB, Infrastructure funding.
• Conveying a clear opinion regarding the acceptability of the proposed facilities, from risk point of view, covering business model, industry risk, structure, financial risk & regulations within the TAT.
• Analyzing applicants' financial status and credit and property evaluations to determine loan feasibility.
• Adhering to banking standards and government lending guidelines for loan services.
• Ongoing monitoring of accounts including tracking developments in industry and identify stress early and closely monitor accounts which are in stress, in order to devise and implement account strategy for risk reduction.
• Structuring deals basis personal discussion with Promoters to work out the best possible solution to customer in line with guideline.
• Attending & convening consortium meeting on periodical intervals
• Reviewing, identifying, updating on industries scenario to senior leadership.
• To Ensure quality assets mix and healthy portfolio.
• Portfolio of company increased 3 times during my tenure with Zero NPA.
• Empanelment of Vendors like Stock Auditors, Valuer, Advocates. and Quarterly meeting with this vendors.
• Traveled to entire MP from offices for customer meetings / Site Visit and Branch level / Cluster Head level meeting.
• Conducting portfolio analysis and measuring performance by reviewing financial / non financial metrics
• Conducting training to Business counterparts / CPA's / Junior underwriters about products & process to complete the work in smooth manner.

Senior Manager -Credit at Regional Office, Bhopal & Indore from Jul'15 to Dec'17

• Responsible for handling Regional Office – Credit Department where heading the team of 5 people.
• Thoroughly analyzing Corporate Credit proposals and SME credit that falls beyond the sanctioning powers of Branch and placing it's before various committees at Regional Office at Head Office.
• Thorough Appraisal of SME Accounts for Sanction of fresh Working capital / term loan facilities, review/ renewal of existing limits and enhancements in limits within delegated power of Regional office.
• Analyzing the company's statements of accounts of other banks, pre-sanction inspection reports, due diligence, market reports and inferring details about the company's health and placing the same to the committee to take an informed decision.
• Presenting the facts on the financials status of Company (actual and estimates) viz-a-viz, the net worth, DSCR, NWC, Current ratio, leverage ratios etc.

Senior Manager - Credit at Regional Office, Mumbai from November'11 to Jun'15

• Credit Appraisal of Project Finance, Working Capital Limits, LAP, LRD, HL and Non Fund Based limits including of Real estate, Port Construction project etc, Portfolio Buyout, SRA (Mumbai) cases.
• Analysis of Financial Statement and CMA, TEV Reports. Site visit and visit to business place of the prospective borrower. Recommendation the case to the competent authority for approval based on the merit of the case.
• Interaction with top management of the prospective borrower such as CFO, Promoters etc.
• Post Sanction - Sanction Communication to borrower, getting legal vetting on properties offered as security, taking search report from ROC, valuation of property, inspection of security etc.
• Preparations of Security documents based on approved terms and execution of the same. Ensure compliance of all terms of sanction before making disbursement of credit facility.
• Monitoring progress of the project on regular basis by obtaining LIE report and visiting the project site.
• Interaction with Internal and Statutory Auditor of the Bank and rectification of Audit observation in time bound manner