�ݺ�ߣ

SUNIL SINGH BISHT Mobile: 00919873701711 E-Mail: sunil24bisht@yahoo.co.in
bisht24sunil@gmail.com
Seeking senior-level assignments in Corporate Banking Operation & Risk Management with an organisation of repute
SNAPSHOT
? A result-oriented professional over 9.5 years experience in Banking Industry.
? Deft in implementing systems and procedures with proven ability to maximise
efficiency in operations.
? Supervising customer service operations for rendering & achieving quality services.
? Adroit at appraising credit proposals & scrutinising relevant documents before
disbursing the credit, ensuring compliance with organisational credit policies.
? Excellent relationship management skills with experience in statutory compliances
& smooth business operations.
Employment Profile
Since 13-April-2015 to Till date at Standard Chartered Bank, India as a Manager in Credit Documentation Unit (Corporate
Banking).
Job Role: -
? Appraising Credit Approval Memo (Sanctioned) for Loan facilities granted to Middle Market Segment customers as per
Credit Policy of Bank (Post sanction documentation).
? Accountable for generation & issuance of banking facility letter and facility documentation for Fund Based and Non Fund
Based facilities as per bank policy requirements.
? Scrutinising relevant executed documents (in sole banking and multiple banking arrangement) after sanction and
disbursing the credit facility and ensuring compliance with organisational credit policies.
? Scrutinising and verifying the security document such as Original Title Deeds genuineness, Overseas Corporate Guarantee
in favour of Indian established entity & Stand by letter of credit and take the corrective action in liaising with Legal
department in case of any disconnect.
? Regular follow-up up Risk Management Team and Business Team for adherence of pending compliances.
? Responsible for managing daily exceptions, handling audit queries and resolving/removing the same within TAT.
? Analysing the data, maintaining weekly, monthly & quarterly MIS reports and ensuring error free reports and driving quality
through service excellence.
? Responsible for processing of TD Maturity, Limit Closure request, Title deed release, Insurance and Vendor Management.
? Responsible for updating borrower & title deeds information in CERSAI application after disbursement.
? Ensuring compliance with Credit guidelines, Know Your Customer and Anti-Money Laundering guidelines.
? Adhering to RBI circulars & Companies Act guidance during the processing of credit facility.
Since 24-Nov-2014 to 27-Feb-2015 at The Hongkong and Shanghai Banking Corporation Ltd, India as an Associate Vice
President in Credit Services Operation (Corporate Banking).
03-Nov-2012 to 20-Nov-2014 at Axis Bank Ltd, India as a Manager in Corporate Banking Operation (SME Segment).
Job Role: -
? Appraising Credit Approval Memo (Sanctioned) & Loan facilities granted to SME segment customers as per Credit Policy
of Bank (Post sanction documentation).
? Accountable for generation of facility documents for Cash Credit, Working Capital Demand Loan, Overdraft, Term Loan,
Packing Credit (EPC/PCFC), Letter of Credit, Buyer��s Credit, Bank Guarantee, Bill Discounting, Channel/Vendor/Dealer
Operations Management
Insurance
Loan Disbursement
Customer Service
Collections
MIS
Vendor Management
Credit Analysis
Credit Administration
Risk Management
Team Management

Financing, FDOD credit facilities & Issuance of Fund Based and Non Fund Based facilities documentation for execution as
per bank policy requirements.
? Scrutinising relevant executed documents (Fund Based & Non Fund Based) after sanction, disbursing the credit facility and
ensuring compliance with organisational credit policies.
? Scrutinising and verifying of Original Title Deeds genuineness and take the corrective action in liaising with Legal
? Regular follow-up up Risk Management Team, Business Team, Branches for adherence of pending compliances.
? Analysing the data, maintaining weekly, monthly & quarterly MIS reports and ensuring error free reports and driving quality
through service excellence.
? Working on Finacle Software of SME segment to adhere the monitoring compliance like updation of stock statement,
collateral values, insurance updation & etc.
? Ensuring compliance with Credit guidelines, Know Your Customer and Anti-Money Laundering guidelines.
? Monitoring credit accounts regularly to identify early warning signals & to ensure zero delinquency in the portfolio.
? Adhering to RBI guidelines during the processing of SME segment credit facility.
? Handling the operation team of four members and managing end to end credit administration process.
? Participating as a key player while implementing systems & processes for smooth functioning of daily activities within the
department.
30-Sep��11 to 01-Nov-2012 at Yes Bank Ltd, India as an Assistant Manager in Credit Administration & Risk Management (SME
Segment).
Job Role: -
? Appraising Credit Approval Memo (Sanctioned) & Loan facilities granted to SME segment customers as per Credit Policy
of Bank.
? Accountable for generation of Facility Letter/Sanction Letter for Cash Credit, Working Capital Demand Loan, Overdraft,
Term Loan, Letter of Credit, Buyer��s Credit, Bank Guarantee, Bill Discounting, Channel/Vendor/Dealer Financing, LCBD,
SBLC, FDOD, FDBG,FDLC credit facilities & Issuance of Fund Based and Non Fund Based facilities documentation for
execution as per bank policy requirements.
? Scrutinising relevant executed documents (Fund Based & Non Fund Based) after sanction, disbursing the credit facility and
ensuring compliance with organisational credit policies.
? Scrutinising and verifying of Original Title Deeds genuineness and take the corrective action in liaising with Legal
? Analysing the data, maintaining weekly, monthly & quarterly MIS reports and ensuring quality, error free reports and driving
quality through service excellence.
? Working on Flex Cube retail & C-Cube Software of SME segment.
? Participated in Time & Motion study for calculating the accurate work productivity of team members.
? Participated in 5s operational functions while implementing into the system.
02��Feb��09 to 29-Sept��11 at Business Link Marketing- Dubai as an Associate of Samba Financial Group of Saudi Arabia as Credit
Administrator in Personal Loan and Credit Card Division
Job Role: -
? Responsible for underwriting the Personal Instalment loan & Salary Transfer Letter personal finance products.
? Responsible for underwriting the Credit Card applications as per policy requirements.
? Analysing the profile and requirement of the applicant- salaried Individual and self employed customers.
? Preparing the Cash Flow Statement for self employed segment for calculating the loan eligibility.
? Checking the financial documents like loan tenor PDC's & SI in terms of EMI amount in word and figure, date, customer
signature before approving and sending to operation for disbursal.
? Scrutinising and verifying the self employed documents like KYC, Trade license, MOA, AOA, POA, Partnership Deed & 6
months bank statement in terms of validity, authenticity and repaying capacity of credit products.

Scrutinising and verifying the salaried Individual documents like KYC, 3 month payslips, original salary certificate, salary
transfer letter, 3 months bank statement in terms of validity, authenticity and credentials on parameters like the earning
capacity (including DBR).
? Responsible for underwriting the cross sell card, balance transfer, card upgrades, limit changes on existing cards, lien card
& branch priority card applications.
? Accountable for generating IC��s for conventional and booking commodity for Al Khair customers.
? Performing credit checks like Em-Credit for Em-Bounce, Central Bank & Complinet checking for external profile checks of
the customers.
? Approving the personal finance and credit card applications as per my delegation credit authority.
? Undertaking vendor management for Al WASL credit history checks & field visits reports.
? Working on J. Star application for personal finance and new application for credit card applications.
? Handling the post administration checking for maintaining the 100% efficiency at credit division level after the approval of
credit card and personal finance applications before dispatching to operation.
? Co-ordinating with operational divisions for delivering the credit card deliverables to customer within TAT.
17Aug��08-25Dec��08 at Noor BPO L.L.C (A subsidiary company of Noor Islamic Bank, Dubai) as Quality Analyst
Key Projects Handled:
Title : Emirates Bank Project
Duration: 2 months
Description :
? Handling the PDC reconciliation of Emirates Bank - Auto & Personal Loan General Ledger Accounts.
? Working on:
o Loan Management System Module in Finnone & Equation Software for all loan & CASA account track records and
status.
o ICCS-connect for outward clearing, inward clearing & return processing of Emirates Bank assets operation division for
PDC presentation status towards loan EMI.
? Accountable for data management and MIS publication to higher management.
? Co-ordinating with all operational Divisions of Emirates Bank for understanding the process which is required for achieving
the project success.
? Participating in day to day project presentations & meeting for achieving the project success with in TAT.
Title : GE Money Al futtaim Project
Duration: 2.5 months
Description :
? Working for GE Money Al futtaim as a Project Processor/ Quality Analyst for Auto Loan, Personal Loan & Sales Finance
Products. Authorising the entire data inputting & loan boarding quality checking in the system.
? Handling the quality checking of the documents provided by sales for salaried, self-employed & corporate cases.
? Appraising the credit worthiness of the customer applied for Auto, Personal & Sales Finance Loans.
? Managing:
o DMS (Read/Write soft Fax & IBM CM) and Finnone Software (LOS & LMS).
o Em-credit for Em-bounce & Central Bank checking applications for external profile checks of the customers.
? Accountable for testing the Finnone Software (LOS & LMS) during dry run period of Ge Money Auto Loan/ Personal Loan
and Sales Finance products.
15Nov��06-09Aug��08 Yes Bank Ltd, India as a Senior Officer in Retail Assets Operation (LAP, PL & BL)
Job Role:
? Conducting pre-disbursement checks and authenticating the docs provided by the sales & credit.
? Handling the:
o Entire loan boarding process into the retail assets system.
o Customer service & collection in Retail Assets Operation.
o Query Resolution Department and MIS publication to branches & management.
o Credit shield process for loan coverage insurance with Max New York Life Insurance.
o Vendors�� management for file storage and retrieval of all physical instruments in FRFC as a custodian.
o ATM reconciliation process for Delhi & NCR offsite locations.
o Salary uploaded process in the system for Corporate Customers Salary Accounts.

o Handling the disbursement and PDC management services through PDC/ ECS/ SI with support of centralised clearing
department.
? Working on Flex Cube retail/ corporate and Finnone Software (LOS & LMS) of Retail Assets Operation.
? Opening/ scrutinising CASA Accounts: Saving, Current, Term Deposits, Mutual fund, NRI, NRO & Salary Account in Flex
Cube System.
? Participated as a key performer during implementing the retail assets operation policy and migration of loans into finnone
system.
03Nov��05-10Nov��06 at Shelters (An Associate of Citibank), India as a Credit Officer in Home Loan & Loan against Property
Division
Job Role:
? Appraising the credit worthiness of a person applied for Mortgage Loans.
? Checking credit and fraud to ensure the positive loan processed
? Sorting out the discrepancies on daily basis with support of the respective branches.
? Organising personal discussions with the customer in-house & visiting sites at office premises.
? Preparing credit appraisal memorandum sheet for HL & LAP products and payment plans for developer properties.
? Working on Citibank ALPS Software-Loan Management System for mortgages products.
? Recommending the loans for final sanctioning approval and handling the disbursement as per loan products.
? Coordinating with lawyer for understanding the property paper chain and with valuer for current market property
valuation.
? Ensuring:
o Inter-departmental coordination with sales, credit, vendors and different branches pertaining to day-to-day credit
issues.
o Approvals are 100% complete as per the programs and policies approved.
o That co-ordination among the team members and motivated them to reduce the TAT (Turn around Time) & smooth
functioned of end-to-end operations in the unit for loan processed.
? Monitoring timely renewals of credit limits & mitigating risks.
? Analysing risk undertaken in imparted loan against property.
Education
? B.Com. (Hons.) from North Bengal University, India in 2004.
Other Qualifications
? IC-33 certification from Insurance Regulatory and Development Authority of India.
? Six months Diploma in Computer Foundation.
? Six months Diploma in two packages of D.T.P (PageMaker & Corel Draw).
? Proficiency in accounting package Tally 5.4 & 6.3.
? Knowledge of internet surfing and having typing speed 45 W.P.M.
Personal Details
Date of Birth : 24th
March, 1984
Address : Block �C 10E, Sector �C 4, Pushp Vihar, M.B Road, New Delhi ( India) - 110017
Passport Details : G3091967
Nationality : Indian
Marital Status : Married
Languages Known : Hindi, English & Bengali
Area of Interest : Credit Administration & Risk Management (Banking)
Hobbies : Sports (Indoor & Outdoor), Workout in GYM & Adventures

Date : 21.10.2015
Place : New Delhi

�ݺ�ߣ

Profile

Recommended

More Related Content

What's hot (20)

Viewers also liked (12)

Similar to Profile (19)

Profile