This resume is for Nitin Kumar, who has over 10 years of experience in banking with a focus on credit. He holds a B.Com degree and several banking certifications. His experience includes assessing corporate and MSME loan proposals, managing loan portfolios, and ensuring regulatory compliance at various banks like Union Bank of India, IDBI Bank, and Bank of Maharashtra. Currently he is a Senior Manager at Union Bank of India, where he appraises credit proposals and oversees a loan portfolio of over Rs. 2,300 crores. He aims to take on more leadership roles involving credit, risk, and treasury functions.

1. R E S U M ER E S U M E
NITIN KUMARNITIN KUMAR
C/o. UNION BANK OF India,
104, BBC Tower, Sayajiganj,
Baroda – 390005, Gujarat
Mo. +91 9558816965, 9998928248
OBJECTIVEOBJECTIVE
Aspire to hold a prestigious position in a leading bank and to perform best of my
professional efficiency in a responsible, challenging and growing career path in
banking service field and to get an exclusive experience that would maximize my
knowledge, potential and skills especially in Credit, Risk and Treasury.
AREA OF SPECIALISATIONAREA OF SPECIALISATION
Corporate (Mid) and MSME Credit:
• Sourcing, appraisal, processing, operation and monitoring;
Retail Branch Banking:
• Advances and Operations
SKILLSSKILLS
• Mid – Corporate Banking (Credit Appraisal, Analysis)
• MSME Banking
• Portfolio Monitoring
• Wholesale Banking
• Financial Analysis, Operations
• Proficiency in CMA preparation and scrutiny
• Computer Hardware Assembling & Dissembling
EDUCATIONAL / PROFESSIONAL QUALIFICATIONEDUCATIONAL / PROFESSIONAL QUALIFICATION

2. DEGREE COLLEGE / SCHOOL PASSING YEAR GRADE/RESULT
B. Com Vanijya
Mahavidyalay,
Patna University
2001 1st
Div / 74%
JAIIB IIBF 2006 Pass
CAIIB IIBF 2007 Pass
SME Finance For Bankers IIBF 2008 Pass
Certificate in Trade Finance IIBF 2009 Pass
Corporate Banking IIBF 2014 Pass
Risk Management IIBF Pursuing --
PROFESSIONAL EXPERIENCEPROFESSIONAL EXPERIENCE
Organization
served
Designation Nature of
employmen
t
Service
from[date
]
Service
to [date]
Duties
performe
d
Year of
experience
Union Bank
of India
Senior
Manager
(Credit)
Direct Emp 26/03/12 Continue Credit
Appraisal
of
Corporate
and MSME
proposals
2 Years 6
months
IDBI Bank
Ltd
Manager Direct Emp 08/08/09 22/03/12 Credit
Sourcing,
Appraisal,
Monitoring
& Follow
up of
Advances
2 Years 7
months
Bank of
Maharashtra
Dy.
Manager
Direct Emp 16/02/04 31/07/09 Credit
Appraisal
Monitoring
& Follow-
up of
Advances
5 Years
5 months
TOTAL EXPERIENCE : 10 YEARS 6 MONTHS
UNION BANK OF INDIA
Senior Manager (Credit) : Vadodara (2012 – Till Date)
 Nodal officer for appraisal / processing of Corporate & MSME Proposals.
 Designate Credit officer for Industrial Finance Branch, Baroda (Having advance
portfolio of Rs.2300 Crs) along with other branches having aggregate loan
portfolio of Rs.200 Crs.

3.  Designate coordinator for Credit Approval Committee having delegation upto
Rs.20.00 Crs.
 Processing and appraisal of Corporate and MSME loan proposals for onward
recommendation to Circle Office (Delegation upto Rs.50.00 Crs) and Central
Office (Delegation above Rs.50.00 Crs).
 Preparation of Sanction Letter / Advise to Branches for onward issuance to
applicant.
 Processing / appraisal of Retail loan products
 Scrutiny of loan proposals sanctioned by branch-heads having delegation upto
Rs.4.00 Crs.
 Handling of management and statutory audit of loan portfolio of entire region
and ensuring compliance thereof with the help of branches.
 Organizing credit camp at regional level.
 Nodal officer for correct classification in Corporate and MSME Accounts.
 Issuance of instructions / circulars
 Sourcing of Corporate and MSME proposals individually as wells as meeting /
counseling prospective customer introduced by branch heads.
IDBI BANK LTD
Manager: Ahmedabad (2009 – 2012)
 Sourcing and scrutiny of loan proposals under MSME and corporates with
turnover upto Rs.500.00 Crs.
 Processing and appraisal of loan proposals and recommended for sanction to
sanctioning authority.
 Handled all post sanction formalities including documentation, disbursement
and follow up of loan accounts.
 Effectively managed loan portfolio in terms of recovery and regularization of
accounts.
 Acted as Nodal officer for overseeing correct classification of loan account into
MSME.
 Acted as Nodal Officer for representing to SLBC and SLIIC.
 Handled Audit (Internal and Statutory) of loan portfolio & compliance thereof
on regular basis.
 Adherence to KYC norms & AML guidelines
 Liaisoning with the customers and keeping them update with newly launched
products / schemes.
BANK OF MAHARASHTRA:
Dy. Manager (JMGS - I): Noida, Greater Noida, Gorakhpur, Rudrapur and Basti (2004-
2009)
 Retail Banking operation, MIS, Marketing of Retail products.
 Retail Credit processing and follow up
 Handled all post sanction formalities including documentation, disbursement

4. and follow up of loan accounts.
 Effectively managed loan portfolio in terms of recovery and regularization of
accounts.
 Handled Audit & Compliance of branch operation on regular basis.
 Adherence to KYC norms & AML guidelines
PERSONAL DETAILSPERSONAL DETAILS
Gender : Male
Birth date : December 30, 1980
Native place : Patna
Nationality : Indian
Languages Known : English, Hindi
Marital Status : Married
Contact no. : 9558816965 / 9998928248
E – Mail : nitinkr.raut@yahoo.com
Blood Group : B +
FAMILY BACKGROUNDFAMILY BACKGROUND
Father : Lawyer (Practicing)
Mother : Housewife
Wife : Teaching