Anuj Agarwal

Analyzed customer data, such as financial statements, to determine the level of risk involved in extending credit, especially for working capital, project finance and Lease rental discounting.

• Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
• Improved overall portfolio quality, conducting regular reviews of existing accounts, and recommending appropriate actions, including renewals.
• Successfully submitted notes to credit for the proposal, aggregating to approximately INR 500 crores with an average ticket size of INR 15 crores.

• Reviewing and supervising setup and management of credit facilities to be in line with the credit policy and approval conditions set in place.
• Managing legal documentation of a sizeable portfolio across business verticals.
• Ensuring Compliance of Various RBI Circulars. Providing support & Guidance in handling and reporting data elements facilitating local regulatory requirements.
• Collateral process Management - Recording, monitoring and reporting of collateral provided by obligor against sanctioned limits.
• Driven Business process transformation and delivered effective results while strengthening legal documentation controls, over review, completeness and retention in accordance with laws.
• Successful implementation of automated NPA identification system built in-house with help of technology team. Worked as a tester and creation of scenarios for rigorous testing of same.
• Leading Automation project for Calculation of Drawing Power system across various segment of bank while collaborating with the tech team of CRISIL.

• Appraisal of Proposals above INR 5 Crores with max ticket Size being 40 Crores related to Rice Mill, Pulse Mill & Edible Oil Mills.
• Verifying Property Documents and Making arrangements with Valuation and Legal Professionals for the opinion and disbursal thereof.
• Completed All my Tasks within TAT allotted by the organization.

• Statutory Audits & Tax Audits of Public and Private Companies in Steel Sector (Rolling Mills), Rice Mills, warehousing. Finalization of Accounts of Proprietorship & Partnership business and filing tax audit reports.
• Statutory Bank audit of PSU banks. Active team member of Central Statutory audit team of CG Rajya Gramin Bank.
• Concurrent Audit of Small branch to Exceptionally large Branch.

• Active team member in Execution of Pre Audit assignment of Urban Local Bodies of CG Government (Raipur Cluster)
• Guest Faculty at CG administration academy for training of Government officials and Trainee selected via various state level competitive exams. Particularly for Direct & Indirect taxation overview.