Prabhat_CV
- 1. Email:prabhat3414@gmail.com Mobile: 91-8010405053 PRABHAT SINGH OBJECTIVE Seeking a career in a progressive Bank and Financial Institution that will effectively utilize my academic knowledge and professional excellence learned through the past working in mutual growth and development. I am willing to work as a team leader or member, making contributions to the organization’s internal control system and risk management, strengthening the controls & compliances. BRIEF An incisive and dynamic professional, with around 6 years of wide experience mostly in risk analysis, credit and legal documentation, and compliance, presently with IDFC Bank Ltd and previously with Standard Chartered Bank. Proven and skillful in structuring & complying policies, process, manuals, RBI circulars, loan documentation, executing policies, and office order regularly. KEY DELIVERABLES • Exceptional understanding of wide range of banking products with sound knowledge in managing complete credit operations , corporate loan documentation, security creation, client relationship management and end to end management of clients. • Proficient in providing high standards of customer service and maintaining quality and service norm to achieve customers’ satisfaction. • Highly articulate, demonstrating exceptional relationship building, communication, decision making, analytical and inter-personal skills across all levels. • Ability to work with people of diverse backgrounds to coordinate multiple projects. • Liaison and maintaining close coordination with other departments, bank’s customers, legal counsels, other banks representatives and service providers to ensure procurement & resolution of security documentation issues, and timely delivery of service to banks’ internal and external customers. Ensuring compliance to approved conditions and covenants pre / post disbursal. Supervision & checking of various internal MIS/ data, various data submission to RBI and to higher management. • Besides regular credit facilities like working capital and Rupee term loan adept in handling documentation of major Banking products like Corporate Real Estate Financing (CRE), Syndicated Loan facility, Consortium lending, Structured Trade Finance (STF), External Commercial Borrowings (ECB), pledge of shares of an Indian company etc. • Ensuring that all the relevant statutory legal and internal operating guidelines are complied with in the credit transaction documentation. • Attending external, internal and group auditors and preparation of audit replies and ensuring completion of various types of audits within the time and cost parameters. • Undertake general reporting on outstanding issues on regular basis and ensure all relevant spread sheet are updated and maintained to assist with the efficient running of the administration team’s functions. • Check documents, identify, highlight discrepancies in execution of documents and ensure safe custody of the same including security documents, ensure proper and required documentations as per credit conditions. • Track deferrals, send reminders,/ alerts of the same falling due and highlight the pending deferrals to appropriate authorities on the due date. • To ensure effective documentation and credit control mechanism through various measures such as perfection and safe keeping of security documentation, due diligence, review of credit documentation, renewal/ reviews of expiring documents, tracking of incomplete documentation, complying with local regulatory requirements etc.
- 2. Present Work Experience Company : IDFC Bank Limited Department : Credit Administration Department Experience : February 2016 to till date Designation : Manager Roles and Responsibilities Credit and Risk Management Role • To Manage Credit Documentation of Commercial Banking client & Large Corporate • To ensure compliance with the terms and conditions of the credit sanctioned. • To process credit appraisal note and ensure compliance with credit policy. • Issuance of loan documents and security documents for execution to RM and managing the deal till disbursement. • To liaise with legal team for any change in standard documents. • To review the loan and security related documents and liaise with RM for perfection of the same. • To ensure security is perfected and charges are registered in favour of the bank wherever applicable within defined timeline • To ensure all Post disbursement & credit monitoring procedures has been complied which involves deferral tracking, security perfection, deferral reporting, timely submission of MIS reports etc. • Responsible for meeting audit requirements of internal & external auditors Previous Work Experience Company : Standard Chartered Bank Experience : May 2011 to January 2016 Designation : Assistant Manager Joined as Officer (off role under management of Kelly) in May 2011 in Credit Documentation for performing paralegal activity in Corporate Banking and rose to a position of Associate Manager (Client Documentation Unit) till January 2016. Roles and Responsibilities Credit Department: • To Manage Credit Documentation of Commercial Banking, Large Corporate, Global Corporate and Stressed accounts. • To ensure compliance with the terms and conditions of the credit sanctioned. • To process credit appraisal note and ensure compliance with credit policy. • Issuance of loan documents and security documents for execution to RM and managing the deal till disbursement. • To liaise with legal team for any change in standard documents. • To review the loan and security related documents and liaise with RM for perfection of the same. • To ensure security is perfected and charges are registered in favour of the bank wherever applicable within defined timeline • To ensure all Post disbursement & credit monitoring procedures has been complied which involves deferral tracking, security perfection, deferral reporting, timely submission of MIS reports etc. • Responsible for meeting audit requirements of internal & external auditors
- 3. • To Liaise With Business Teams, Risk , Legal & audit for timely and quality deliverables by resolution of issues & queries • To manage a team of junior officers and train them regarding internal process. • To ensure proper care and safe custody of documents and complying with the laid down process and procedures for storage of documents. Management reporting Role • To provide data to higher management regarding secured & unsecured exposure and bifurcation of security value with respect to each client. • To develop various future exception reports like stock inspection, valuation report etc and to liaise with business team on timely compliance of the same. • Responsible for collateral value monitoring and its reconciliation. Previous Work Experience Organization : SS Legal Solutions (Law Firm) Designation : Junior Advocate Period : 9th June, 2009 to 30th April, 2011 Job Profile : Legal Job Description; • Civil nature including : Recovery matters, Declaration and Injunction suits, Claim for compensation under Motor Vehicle Act, Breach of Contract, Matrimonial matters, Civil Contempt Matters. • Criminal matters including under section 138 of N.I. Act. • Handling litigation before the Debt Recovery Tribunal. • Legal search/title verification before Sub-Registrar • Legal opinions on all the subjects/Legal Issues • Sale Deed • Lease Agreement • Notice pertaining to recovery matters, demand notices U/s. 138 N.I. Act. Educational Qualification • LL.B. From Mahtma Gandhi Kashi Vidyapeeth, Varanasi, in 2009. • Graduate in Bachelor of Arts. from Banaras Hindu University in 2005. • Passed 12th (Intermediate Examination) from U.P. Board in 2001. • Passed 10th from U.P. Board in 1999. ACCOMPLISSHMENT Actively implemented process for CERSAI registration for mortgages and factoring through liaison with CERSAI authorities Computer Proficiency • Intermediate level of Microsoft Office applications viz Word, Excel ,Access and PowerPoint • CMS, CLOS, CBS
- 4. Personal Information • Name : Prabhat Singh • Date Of Birth : 11.08.1985 • Marital status : Married • Language Known : English and Hindi • Home Town : Varanasi • Local Address : Flat No. 22, House no.92, Madangir Village New Delhi-62 I hereby undertake that all the above information and facts are true and correct to the best of my knowledge and belief _____________________ (PRABHAT SINGH)