Vikash Agarwal
Experience of 22 years with ICICI Bank: Worked across multiple function like Corporate & SME Credit Risk, Corporate Banking Relationship, Credit Risk Policy, Mortgages etc.
- Role
- Zonal Credit Risk Head Gujarat and Mp at ICICI Bank
- Location
- New Delhi, DL, IN
- LinkedIn followers
- 500 followers
About Vikash Agarwal
1) Banking professional with over 19 years of experience in Corporate Banking, Corporate Credit Risk, Credit Risk Policy, Relationship Management (Small & Medium Enterprises), Mortgage Underwriting and Team Management.(2) Strong sense of identifying, analyzing developing key risk while underwriting large corporate exposure.Existing Role: Regional Head for Corporate Banking relationship, Large Client Group in Gurugram NCR Delhi region.Previous role: Corporate Credit Risk Identifying key credit risk for Project Funding and Corporate Banking group cases (new and existing exposures) from factors like industry, business environment, financial, structural management quality.Evaluating project feasibility through financial modeling, demand analysis, cost structures, sector benchmarking. Assess credit worthiness and risk absorption ability of enterprises. Suggesting mitigants to structure term sheets. Assessment of working capital funding requirement. Carry diligence through cash flow analysis, current assets & liability behavior, stress testing, utilization levels. Conducting periodic asset quality reviews.Prepare detailed credit rating reports. Presenting proposals with recommendations to sanctioning committees (comprising of Bank’s senior management). Ensure that risk views are properly communicated. Have dealt with clients in multiple industries like steel, chemical, pharma, EPC, capital markets, hotels, auto, auto ancillary, nbfc, agro processing, software, BPO, logistics,
Experience
Zonal Credit Risk Head Gujarat and Mp
Sep 2024 — Present · Ahmedabad, IN
Evaluate and Underwrite Large Corporate and SME Credit Lending proposals. Determine Probability of Default. Understand lending feasibility by ensuring Return of Capital, Maximize Returns on lending. Continuous Monitoring and Stress testing
Education
The Institute of Chartered Accountants of India
Chartered Accountant, Accounting and Finance
1996 — 1999
Institute of Cost Accountants of India
Intermediate
1997 — 1999
Skills
- Commercial Banking
- Policy
- Auditing
- Underwriting
- Working Capital Assessment
- Cash Flow
- Credit Risk
- Mortgage Underwriting
- Credit Rating
- Financial Analysis
- Sme Banking
- Project Evaluation
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