Rohit Soni

Experience

1. Credit Manager - Senior Manager

   YES BANK

   Sep 2025 — Present · Lucknow, IN

   Credit Manager – MIB GroupJob Responsibilities: 1. Initial Screening: Conduct preliminary assessment of working capital proposals to evaluate eligibility and alignment with internal policies. Credit Risk Appraisal: • Analyze financial, business, and management risks of borrowers. • Verify rating calculations, financial ratios, cash flow adequacy, and collateral coverage. • Prepare detailed appraisal notes in line with Credit & Recovery Policy, incorporating recommendations on sanction amount, risk acceptability, terms, and conditions. Client & Relationship Management: • Interact with clients, when necessary, in coordination with Relationship Managers/Senior Managers to assess creditworthiness. • Address queries and obtain additional information for accurate risk evaluation. Coordination with Sanctioning Authorities: Present and discuss proposals with sanctioning authorities, ensuring clarity and compliance with policy guidelines. Policy & Regulatory Compliance: Ensure strict adherence to internal credit policies, RBI directives, and other regulatory requirements throughout the credit process. Proactive Risk Monitoring: Continuously monitor client performance, industry dynamics, and external environment to identify early warning signals and mitigate potential risks. TAT & Efficiency Management: Ensure timely processing and disposal of credit proposals and related references within prescribed turnaround times.