Vishal Suba

1. Assisting to manage a portfolio with of over 30 Corporate Banking clients having total facilities of over USD ___M across various sectors such as automobile, contracting, pharmascuitical manufacturing/sales and contracting across the Sultanate of Oamn.

2. Start to end making of new to bank proposals and renewal of existing accounts for secured and unsecured lending to corporate banking clients including complete analysis due diligence through financial statement, industry and peer group analysis and contract financing analysis.
3. Risk rating analysis through Creditlense Risk Rating Tool.
4. Recommending and clearing of new and existing proposals to appropriate approving authority and risk management committee.

5. Presentation of new and renewal proposals to approving committee such as management credit committee and board credit committee of the bank.
6. Complete handling of approval process from proposal initiation till
disbursement including documentation and security creation.
7. Maintaining of regular status updates of borrowers with contract specific facilities (contract monitoring).
8. Keeping up to date with key issues in the market and enhance credit quality and balance the risk exposure of the existing portfolio wherever possible.
9. Overall housekeeping responsibility for maintaining the existing portfolio as per internal and external audit guidelines, regular updates for various MIS reports and maintaining of overall TAT in lines with management expectations.
10. • Preparing monthly and quarterly SME returns to be submitted to Central Bank of Oman (CBO).

1. Managed an active portfolio with sanctioned facilities of over $50 Million, spread across various sectors of SMEs across Sultanate of Oman.

2. End to end preparation of new credit and renewal proposals for secured and unsecured lending to SMEs and HNI borrowers.
3. Complete analysis & due diligence through financial statement, industry and peer group analysis and contract financing analysis.
4. Risk rating analysis through Moody's Risk Rating Tool.
5. Recommending and clearing new and existing proposals to appropriate approving authority and risk management committee.
6. Complete handling of approval process from proposal initiation till
disbursement including documentation and security creation.
7. Maintaining of regular status updates of borrowers with contract specific facilities (contract monitoring).
8. Keeping up to date with key issues in the market and enhance credit
quality and balance the risk exposure of the existing portfolio wherever possible.
9. Overall housekeeping responsibility for maintaining the existing portfolio as per internal and external audit guidelines, regular updates for various MIS reports and maintaining of overall TAT in lines with management expectations.
10. Preparing monthly and quarterly SME returns to be submitted to Central Bank of Oman (CBO).

1. Sourcing of new to bank business under SEG segment (small enterprise group) for credit exposures of not more than Rs.75 Million each (USD1Mn).

2. Role for sourcing was assigned from June 2015 till September 2016.

3. Sourcing of new clients achieved through a network of 22 branches in Mumbai, Axis Sales employees, direct sales agents and open market sourcing.

4. Handling of existing account portfolio with total outstanding exposure of over Rs.3Bn (UDS 40Mn).

5. Achievement of cross sell targets with wide range of banking products through existing as well as new SME clients.

6. Achievement of top line budget.

7. Achievement of priority sector lending.

8. Achievement of treasury income budget.

9. Resolution/ Recovery of Chronic accounts.

10. Achievement of fee based income.

11. Achievement of year end NII budget.

1. Started as a management trainee and gradually moved to a acquisitions of new SME/MSME clients.

2. Analyze, structure and pitch appropriate structured credit facilities according to client need.

3. Submit all required documentation/information and carrying out all necessary due diligence in coordination with Risk department for approval of new to bank proposals.

4. Management of entire process from sourcing till disbursement of new proposals.

5. Development and building of fresh lead generation network through branches, existing customers DSA’s and CA’s.

6. Maintaining quality of existing portfolio with regular client meetings and status updates.

7. Earning fee based income through cross selling of various products of the bank.

9. To ensure strict call discipline in respect of existing clients.

10. To ensure quick resolution of customer issues.

1. Acquisition of new clients for new demat accounts and sales of mutual funds to new and existing clients.

2. Reactivating of inactive clients by providing accurate solutions to their
problem for inactivation of relationship.

3. New client acquisition and reactivating of existing clients was done through tele-calling and through market combing activities in Koilkata, India.