1. Seeking challenging assignments in Credit Management/ Trade Finance with an organization of repute in Banking /
Financial Services sector
Professional Synopsis
 An astute Banking professional with over 5 years of extensive experience in Credit Management, working
with passion and successful track record.
 Proficiency in credit appraisal, scrutinizing documents, recommending sanction of credits after crosschecking
credentials of the borrower in Large and MSME sector.
 Strong analytical, problem solving & organisational abilities. Possess a flexible & detail oriented attitude.
 An effective communicator with excellent relationship building & interpersonal skills. Demonstrated excellence in
effective coordination with cross functional teams.
 Skilled in managing team to work in sync with the corporate objectives & motivating them for achieving business
and individual goals.
Proficiency Forte
• Credit Appraisal
• Financial Analysis
• Credit Risk
• Account Monitoring
• MIS and Reporting
• Relationship Management
• People Management
• Team Building
• Factoring
Organizational Experience
March 2014 - till date
Standard Chartered Bank – New Delhi,
Credit Analyst
Business Working Capital- Business Banking
Job Profile:
• Credit analysis and appraisal loan application of SME Business clients.
• Responsible for credit appraisal for all SME banking products such as Term Loans, Working capital Requirement,
Unsecured Business Loans, Forward Limits, overdrafts, trading limits like LC’s / BG’s.
• In depth credit appraisal including financial analysis, ratio analysis, business analysis, industry analysis, competitor
analysis.
• Responsible for mapped portfolio of corporate clients and taking care of all conquest, interim limits request along with
annual reviews.
• Highlight risk concerns in the financials while evaluating the proposal.
• Working with-in rules and regulation of FEMA/FEDAI and other regulatory authorities, liaising with concurrent and
statutory auditors.
• Presenting the proposal for sanction to Credit Sanction Team with justifications and answering their concerns in the
proposal.
• Working closely with mapped Relationship Manager (RM) for any information required for credit appraisal.
• Working on various credit assessment tools and systems to be compliant with credit operations and monitoring.
• Working in partnership with the Post Sanction Case managers, Credit Monitoring team, Coverage team, servicing
team and other specialists.
Notable Achievements
• Minimised audit irregularities in the area of my responsibility.
• Reduced TAT for cash backed cases from 2 – 3 week to 5 days
Amit Agarwal
Mobile: +91 9582626725
E-Mail Id: to.amitagarwal@yahoo.com

2. • Helping RM in providing the suitable product fitment and loan structure to the customer.
Veeraraghavan & Co. [Citibank N.A.] (Jan 2008 - Nov 2009)
Shelters Manager cum Personal Discussions Officer- Mortgages (Feb 2012 - Oct 2013)
• Analysing a potential customer’s credibility, intention, capacity and business stability via face to face discussions.
• Responsible for Handling a Credit team of 24 Executives for entire Mumbai.
• Handled Credit requests up to INR 2 Cr conducted applicant interview to evaluate financial data and risk
analysis.
• Analysing valuation report, legal opinion report, CIBIL verification report, Income estimation report providing
suitable loan structures based on requirements.
• Developed interface where in the bank could reach the best TAT on strategic appraisal of loan application,
maintaining desired level of speed quality & consistency in credit decisions and received appreciation from
Regional head.
Shree Hanuman Kesar Mineral Industries (Dec 2009- Dec 2011)
(Partner)
Set up a production unit of Ramming Mass (Refractory Material) in Dhanbad. It is a material used for linings purpose in
Smelting plants, furnances, kilns, incinerators, nuclear reacator and crucibles. This material is one that retains its
strength at high temperature.
Summer Internship
Reliance Capital Ltd.
• Analysed the potential opportunities and forecasted movement of economic indicators of the financial market.
• Undertook comparative analysis of different ULIP products of all life insurance companies, where investments in
equities were more than 50%.
• Proposed Banc assurance technique for greater market share in the insurance industry.
Academic vignette
• PGDBM (Finance) from Indira Institute of Management, Pune April , 2008 64 %
• B.Com from G S College Nagpur April, 2005 56 %
• Senior Secondary in Commerce from R S V M, CBSE, Dhanbad April, 2002 78 %
Academic Accolades
• Awarded merit Certificate in school for performance in class XII
• Impact of commodity prices on GDP of countries with various levels of regulations
• Vikas WSP: Designing financial strategy for Vikas WSP for Venture Capitalist funding
Other Distinctions
• District level Short Put Player.
• Founder of DOSTI (Dhanbad Organization of Students for Tomorrows India). It is an organization involved in social
and civil amenity improvements, with governmental collaborations.
• Volunteered for Jimmy Carter’s Work Project, 2006 in Habitat for Humanity, Lonavala.
• Part of the Team went for Tsunami Rehabilitation Camp, Chennai in 2004-05.
• Stood 1st in inter- college Singing competition in Nagpur 2003.
IT Skills
• Credit mate, EBBS
• MS Office (MS Word, MS Excel, MS PowerPoint).

3. Personal Information
• Date of Birth : 6th
March 1984
• Father : Mr. Kamal Kumar Agarwalla
• Present Address : 63 Ground Floor, Kailash Hills, East Of Kailash, New delhi 110065
• Permanent Address : 2nd
Floor, Rani Sati Market, Main Road, Jharia, Dhanbad 828111