Suman Das

Manager-retail Credit @ICICI Bank

Bhubaneswar, IN

Working as Manager (M1 Band)-Retail Credit towards underwriting of KCC,POD,DLOD,ATL,BT,Working Capital,CV,CE, Tractors and Farm Equipment,SHG,Home loan and Lap,Auto,BIL and PL since Dec 2022.JOB RESPONSIBILITIES.Eligibility Calculation by Analysis of LTV, FOIR, Technical valuation, Multiplier, Different Surrogate Methods, etc. of various Retail Assets loan.Financial Analysis: credit worthiness of the client, past trends, net worth, etc.Banking Analysis: who all are the anchors, who are the suppliers, EMIs analysis, if any EMIs have bounced.Meeting customer personally to evaluate the business, internal / External reference check, FCU / RCU check.Underwriting the cases / Recommending / decision (Approve / Reject) the cases based on meritIncluding but not limited to work closely with sales team / Channel partners / cross-sell team to support them in a right manner which facilitates the growth of business and achievements of co-goals and targets.Working closing with and coordinating with operations team for the smooth disbursement of approved cases.Portfolio analysis by mitigating the risk and then sanctioning the loan.

M.P.C (Auto) College, Baripada

Bachelor of Commerce (BCom)

National Institute of Bank Management (PGDM)

Credit Management

National Institute of Securities Markets (NISM)

NISM series V-A: MUTUAL FUND Distributors Certification Examination

Utkal University

Master of Business Administration (MBA)