R E S U M ER E S U M E

NITIN KUMAR NITIN KUMAR C/o. UNION BANK OF India,104, BBC Tower, Sayajiganj, Baroda – 390005, Gujarat Mo. +91 9558816965, 9998928248

OBJECTIVEOBJECTIVE

Aspire to hold a prestigious position in a leading bank and to perform best of my professional efficiency in a responsible, challenging and growing career path in banking service field and to get an exclusive experience that would maximize my knowledge, potential and skills especially in Credit, Risk and Treasury.

AREA OF SPECIALISATIONAREA OF SPECIALISATION

Corporate (Mid) and MSME Credit: • Sourcing, appraisal, processing, operation and monitoring;

Retail Branch Banking: • Advances and Operations

SKILLSSKILLS

• Mid – Corporate Banking (Credit Appraisal, Analysis)

• MSME Banking

• Portfolio Monitoring

• Wholesale Banking

• Financial Analysis, Operations

• Proficiency in CMA preparation and scrutiny

• Computer Hardware Assembling & Dissembling

EDUCATIONAL / PROFESSIONAL QUALIFICATIONEDUCATIONAL / PROFESSIONAL QUALIFICATION

DEGREE COLLEGE / SCHOOL PASSING YEAR GRADE/RESULTB. Com Vanijya

Mahavidyalay, Patna University

2001 1st Div / 74%

JAIIB IIBF 2006 PassCAIIB IIBF 2007 PassSME Finance For Bankers IIBF 2008 PassCertificate in Trade Finance IIBF 2009 PassCorporate Banking IIBF 2014 PassRisk Management IIBF Pursuing --

PROFESSIONAL EXPERIENCEPROFESSIONAL EXPERIENCE

Organization served

Designation Nature of employmen

t

Service from[date

]

Service to [date]

Duties performe

d

Year of experience

Union Bank of India

Senior Manager (Credit)

Direct Emp 26/03/12 Continue Credit Appraisal of Corporate and MSME proposals

2 Years 6 months

IDBI Bank Ltd

Manager Direct Emp 08/08/09 22/03/12 Credit Sourcing, Appraisal, Monitoring & Follow up of Advances

2 Years 7 months

Bank of Maharashtra

Dy. Manager

Direct Emp 16/02/04 31/07/09 Credit Appraisal Monitoring & Follow-up of Advances

5 Years5 months

TOTAL EXPERIENCE : 10 YEARS 6 MONTHS

UNION BANK OF INDIA

Senior Manager (Credit) : Vadodara (2012 – Till Date) Nodal officer for appraisal / processing of Corporate & MSME Proposals.

Designate Credit officer for Industrial Finance Branch, Baroda (Having advance portfolio of Rs.2300 Crs) along with other branches having aggregate loan portfolio of Rs.200 Crs.

Designate coordinator for Credit Approval Committee having delegation upto Rs.20.00 Crs.

Processing and appraisal of Corporate and MSME loan proposals for onward recommendation to Circle Office (Delegation upto Rs.50.00 Crs) and Central Office (Delegation above Rs.50.00 Crs).

Preparation of Sanction Letter / Advise to Branches for onward issuance to applicant.

Processing / appraisal of Retail loan products

Scrutiny of loan proposals sanctioned by branch-heads having delegation upto Rs.4.00 Crs.

Handling of management and statutory audit of loan portfolio of entire region and ensuring compliance thereof with the help of branches.

Organizing credit camp at regional level.

Nodal officer for correct classification in Corporate and MSME Accounts.

Issuance of instructions / circulars

Sourcing of Corporate and MSME proposals individually as wells as meeting / counseling prospective customer introduced by branch heads.

IDBI BANK LTD

Manager: Ahmedabad (2009 – 2012) Sourcing and scrutiny of loan proposals under MSME and corporates with

turnover upto Rs.500.00 Crs.

Processing and appraisal of loan proposals and recommended for sanction to sanctioning authority.

Handled all post sanction formalities including documentation, disbursement and follow up of loan accounts.

Effectively managed loan portfolio in terms of recovery and regularization of accounts.

Acted as Nodal officer for overseeing correct classification of loan account into MSME.

Acted as Nodal Officer for representing to SLBC and SLIIC.

Handled Audit (Internal and Statutory) of loan portfolio & compliance thereof on regular basis.

Adherence to KYC norms & AML guidelines

Liaisoning with the customers and keeping them update with newly launched products / schemes.

BANK OF MAHARASHTRA:

Dy. Manager (JMGS - I): Noida, Greater Noida, Gorakhpur, Rudrapur and Basti (2004-2009)

Retail Banking operation, MIS, Marketing of Retail products.

Retail Credit processing and follow up

Handled all post sanction formalities including documentation, disbursement

and follow up of loan accounts.

Effectively managed loan portfolio in terms of recovery and regularization of accounts.

Handled Audit & Compliance of branch operation on regular basis.

Adherence to KYC norms & AML guidelines

PERSONAL DETAILSPERSONAL DETAILS

Gender : MaleBirth date : December 30, 1980Native place : PatnaNationality : IndianLanguages Known : English, HindiMarital Status : MarriedContact no. : 9558816965 / 9998928248E – Mail : nitinkr.raut@yahoo.comBlood Group : B +

FAMILY BACKGROUNDFAMILY BACKGROUND

Father : Lawyer (Practicing)Mother : HousewifeWife : Teaching