1. Email:prabhat3414@gmail.com
Mobile: 91-8010405053
PRABHAT SINGH
OBJECTIVE
Seeking a career in a progressive Bank and Financial Institution that will effectively utilize my academic knowledge
and professional excellence learned through the past working in mutual growth and development. I am willing to
work as a team leader or member, making contributions to the organization’s internal control system and risk
management, strengthening the controls & compliances.
BRIEF
An incisive and dynamic professional, with around 6 years of wide experience mostly in risk analysis, credit and
legal documentation, and compliance, presently with IDFC Bank Ltd and previously with Standard Chartered Bank.
Proven and skillful in structuring & complying policies, process, manuals, RBI circulars, loan documentation,
executing policies, and office order regularly.
KEY DELIVERABLES
• Exceptional understanding of wide range of banking products with sound knowledge in managing complete
credit operations , corporate loan documentation, security creation, client relationship management and end to
end management of clients.
• Proficient in providing high standards of customer service and maintaining quality and service norm to achieve
customers’ satisfaction.
• Highly articulate, demonstrating exceptional relationship building, communication, decision making, analytical
and inter-personal skills across all levels.
• Ability to work with people of diverse backgrounds to coordinate multiple projects.
• Liaison and maintaining close coordination with other departments, bank’s customers, legal counsels, other
banks representatives and service providers to ensure procurement & resolution of security documentation
issues, and timely delivery of service to banks’ internal and external customers. Ensuring compliance to
approved conditions and covenants pre / post disbursal. Supervision & checking of various internal MIS/ data,
various data submission to RBI and to higher management.
• Besides regular credit facilities like working capital and Rupee term loan adept in handling documentation of
major Banking products like Corporate Real Estate Financing (CRE), Syndicated Loan facility, Consortium
lending, Structured Trade Finance (STF), External Commercial Borrowings (ECB), pledge of shares of an Indian
company etc.
• Ensuring that all the relevant statutory legal and internal operating guidelines are complied with in the credit
transaction documentation.
• Attending external, internal and group auditors and preparation of audit replies and ensuring completion of
various types of audits within the time and cost parameters.
• Undertake general reporting on outstanding issues on regular basis and ensure all relevant spread sheet are
updated and maintained to assist with the efficient running of the administration team’s functions.
• Check documents, identify, highlight discrepancies in execution of documents and ensure safe custody of the
same including security documents, ensure proper and required documentations as per credit conditions.
• Track deferrals, send reminders,/ alerts of the same falling due and highlight the pending deferrals to
appropriate authorities on the due date.
• To ensure effective documentation and credit control mechanism through various measures such as perfection
and safe keeping of security documentation, due diligence, review of credit documentation, renewal/ reviews of
expiring documents, tracking of incomplete documentation, complying with local regulatory requirements etc.

2. Present Work Experience
Company : IDFC Bank Limited
Department : Credit Administration Department
Experience : February 2016 to till date
Designation : Manager
Roles and Responsibilities
Credit and Risk Management Role
• To Manage Credit Documentation of Commercial Banking client & Large Corporate
• To ensure compliance with the terms and conditions of the credit sanctioned.
• To process credit appraisal note and ensure compliance with credit policy.
• Issuance of loan documents and security documents for execution to RM and managing the deal till
disbursement.
• To liaise with legal team for any change in standard documents.
• To review the loan and security related documents and liaise with RM for perfection of the same.
• To ensure security is perfected and charges are registered in favour of the bank wherever applicable within
defined timeline
• To ensure all Post disbursement & credit monitoring procedures has been complied which involves deferral
tracking, security perfection, deferral reporting, timely submission of MIS reports etc.
• Responsible for meeting audit requirements of internal & external auditors
Previous Work Experience
Company : Standard Chartered Bank
Experience : May 2011 to January 2016
Designation : Assistant Manager
Joined as Officer (off role under management of Kelly) in May 2011 in Credit Documentation for performing
paralegal activity in Corporate Banking and rose to a position of Associate Manager (Client Documentation Unit) till
January 2016.
Roles and Responsibilities
Credit Department:
• To Manage Credit Documentation of Commercial Banking, Large Corporate, Global Corporate and Stressed
accounts.
• To ensure compliance with the terms and conditions of the credit sanctioned.
• To process credit appraisal note and ensure compliance with credit policy.
• Issuance of loan documents and security documents for execution to RM and managing the deal till
disbursement.
• To liaise with legal team for any change in standard documents.
• To review the loan and security related documents and liaise with RM for perfection of the same.
• To ensure security is perfected and charges are registered in favour of the bank wherever applicable within
defined timeline
• To ensure all Post disbursement & credit monitoring procedures has been complied which involves deferral
tracking, security perfection, deferral reporting, timely submission of MIS reports etc.
• Responsible for meeting audit requirements of internal & external auditors

3. • To Liaise With Business Teams, Risk , Legal & audit for timely and quality deliverables by resolution of
issues & queries
• To manage a team of junior officers and train them regarding internal process.
• To ensure proper care and safe custody of documents and complying with the laid down process and
procedures for storage of documents.
Management reporting Role
• To provide data to higher management regarding secured & unsecured exposure and bifurcation of security
value with respect to each client.
• To develop various future exception reports like stock inspection, valuation report etc and to liaise with
business team on timely compliance of the same.
• Responsible for collateral value monitoring and its reconciliation.
Previous Work Experience
Organization : SS Legal Solutions (Law Firm)
Designation : Junior Advocate
Period : 9th June, 2009 to 30th April, 2011
Job Profile : Legal
Job Description;
• Civil nature including : Recovery matters, Declaration and Injunction suits, Claim for compensation under
Motor Vehicle Act, Breach of Contract, Matrimonial matters, Civil Contempt Matters.
• Criminal matters including under section 138 of N.I. Act.
• Handling litigation before the Debt Recovery Tribunal.
• Legal search/title verification before Sub-Registrar
• Legal opinions on all the subjects/Legal Issues
• Sale Deed
• Lease Agreement
• Notice pertaining to recovery matters, demand notices U/s. 138 N.I. Act.
Educational Qualification
• LL.B. From Mahtma Gandhi Kashi Vidyapeeth, Varanasi, in 2009.
• Graduate in Bachelor of Arts. from Banaras Hindu University in 2005.
• Passed 12th (Intermediate Examination) from U.P. Board in 2001.
• Passed 10th from U.P. Board in 1999.
ACCOMPLISSHMENT
Actively implemented process for CERSAI registration for mortgages and factoring through liaison with CERSAI
authorities
Computer Proficiency
• Intermediate level of Microsoft Office applications viz Word, Excel ,Access and PowerPoint
• CMS, CLOS, CBS

4. Personal Information
• Name : Prabhat Singh
• Date Of Birth : 11.08.1985
• Marital status : Married
• Language Known : English and Hindi
• Home Town : Varanasi
• Local Address : Flat No. 22, House no.92, Madangir Village New Delhi-62
I hereby undertake that all the above information and facts are true and correct to the best of my
knowledge and belief
_____________________
(PRABHAT SINGH)