Balram Sharma
Relationship Manager @Bank Of India
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WORK HISTORY
Relationship Manager @Bank Of India
Conducting rigorous credit risk analysis for mid-sized & large corporate encompassing industry/business research and financial analysis including past business and financial performance, future projections, finalization of terms & conditions, and internal credit ratingSupervising various lending operations including appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning loansCoordinating with major finance partners to build forecasts and served as one stop point for finance related queries from the leadership team; worked closely with investor relations team to build presentations for annual meetingsDirecting workflow to meet quality standards and compliance with regulations; monitoring delinquent account collection and establishing terms of payment as well as managing vendorsInterpreting financial data for analyzing past financial performance and projecting the financial profitability of company as well, developing projected financial statements as per borrower assumptionsAnalysis allocation of cases, capacity planning, ensuring field visits, curtailing flow rates and normalization of delinquent accounts; devising and effectuating risk policies & managing wide risks and implementing effective mechanisms to mitigate the sameEvaluating existing and prospective clients & markets, analyzing client requirements within the framework of the approved credit policy /product with the aim of developing and articulating a cogent, concise and persuasive view on the client/transaction/relationshipDirecting complex financial information and providing accurate and timely financial recommendations to management for decision making purposesProviding assistance to supply chain and sales and marketing departments in managing financial orders to control credit exposure; making payments on time, and reducing the risk of customer disputesEnsuring proactive relationship building with a view to deepen client penetration, identify new op
EDUCATION
The Institute of Chartered Accountants of India
DISA: Information System Audit
Vaish College, Rohtak.
Bachelor of Commerce (B.Com.), Business/Commerce, General
The Institute of Chartered Accountants of India
DISA, Information System Audit
National Institute of Bank Management (PGDM)
Certificate , Credit Management
ICAI
Institute of Chartered accountant of India, Accounting and Finance
The Institute of Chartered Accountants of India
CA Final
Maharshi Dayanand University
Master of Commerce
Maharshi Dayanand University
Bachelor of Commerce
Grant Thornton Bharat
Certificate, Investment Banking
Maharshi Dayanand University
Master's degree, Accounting and Business/Management
SKILLS
ABOUT BALRAM SHARMA
As a finance professional with over 14 years of experience, I specialize in corporate banking, credit risk analysis, and fraud prevention at Bank of India. My role involves conducting in-depth industry and financial research, assessing corporate creditworthiness, and ensuring compliance with regulatory standards. I work collaboratively with finance partners and leadership teams to build forecasts and craft presentations for key stakeholder engagements. My focus remains on creating tailored financial solutions, enhancing portfolio quality, and mitigating risks. I bring expertise in appraising loan proposals, scrutinizing documentation, and supervising lending operations. With a commitment to fostering strong client relationships and adherence to compliance, I contribute to driving operational excellence and financial stability.
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