I've managed corporate and SME credit at State Bank of India, evaluating and structuring facilities through due diligence, financial analysis, risk assessment and policy-aligned credit recommendations.
As Deputy Manager, I managed a ₹2,800 Cr credit portfolio, including renewals, reviews, new-account onboarding and ongoing monitoring. I also conducted quarterly post-sanction screening for more than 80 high-value accounts with exposures above ₹250 Cr, identifying Early Warning Signals and emerging stress indicators.
My work spans financial statement analysis, business-model assessment, repayment-capacity evaluation, credit underwriting and portfolio-quality monitoring. I collaborate with business, operations and support teams to support documentation, disbursement, covenant compliance and timely execution of sanctioned facilities.
I've also handled internal and external audits, credit-process observations and RBI compliance requirements, while supporting SME and retail loan underwriting earlier in my banking career.
