Sunil Singh Bisht is seeking senior-level roles in corporate banking operations and risk management. He has over 9 years of experience in banking, including managing credit documentation and appraising credit proposals at Standard Chartered Bank. He is skilled in relationship management, ensuring compliance, and analyzing data to generate reports. Previously, he held risk management roles assessing loan applications at HSBC, Axis Bank, and Yes Bank. He also has international experience working in credit administration in Dubai.

1. SUNIL SINGH BISHT Mobile: 00919873701711 E-Mail: sunil24bisht@yahoo.co.in
bisht24sunil@gmail.com
Seeking senior-level assignments in Corporate Banking Operation & Risk Management with an organisation of repute
SNAPSHOT
 A result-oriented professional over 9.5 years experience in Banking Industry.
 Deft in implementing systems and procedures with proven ability to maximise
efficiency in operations.
 Supervising customer service operations for rendering & achieving quality services.
 Adroit at appraising credit proposals & scrutinising relevant documents before
disbursing the credit, ensuring compliance with organisational credit policies.
 Excellent relationship management skills with experience in statutory compliances
& smooth business operations.
Employment Profile
Since 13-April-2015 to Till date at Standard Chartered Bank, India as a Manager in Credit Documentation Unit (Corporate
Banking).
Job Role: -
 Appraising Credit Approval Memo (Sanctioned) for Loan facilities granted to Middle Market Segment customers as per
Credit Policy of Bank (Post sanction documentation).
 Accountable for generation & issuance of banking facility letter and facility documentation for Fund Based and Non Fund
Based facilities as per bank policy requirements.
 Scrutinising relevant executed documents (in sole banking and multiple banking arrangement) after sanction and
disbursing the credit facility and ensuring compliance with organisational credit policies.
 Scrutinising and verifying the security document such as Original Title Deeds genuineness, Overseas Corporate Guarantee
in favour of Indian established entity & Stand by letter of credit and take the corrective action in liaising with Legal
department in case of any disconnect.
 Regular follow-up up Risk Management Team and Business Team for adherence of pending compliances.
 Responsible for managing daily exceptions, handling audit queries and resolving/removing the same within TAT.
 Analysing the data, maintaining weekly, monthly & quarterly MIS reports and ensuring error free reports and driving quality
through service excellence.
 Responsible for processing of TD Maturity, Limit Closure request, Title deed release, Insurance and Vendor Management.
 Responsible for updating borrower & title deeds information in CERSAI application after disbursement.
 Ensuring compliance with Credit guidelines, Know Your Customer and Anti-Money Laundering guidelines.
 Adhering to RBI circulars & Companies Act guidance during the processing of credit facility.
Since 24-Nov-2014 to 27-Feb-2015 at The Hongkong and Shanghai Banking Corporation Ltd, India as an Associate Vice
President in Credit Services Operation (Corporate Banking).
03-Nov-2012 to 20-Nov-2014 at Axis Bank Ltd, India as a Manager in Corporate Banking Operation (SME Segment).
Job Role: -
 Appraising Credit Approval Memo (Sanctioned) & Loan facilities granted to SME segment customers as per Credit Policy
of Bank (Post sanction documentation).
 Accountable for generation of facility documents for Cash Credit, Working Capital Demand Loan, Overdraft, Term Loan,
Packing Credit (EPC/PCFC), Letter of Credit, Buyer’s Credit, Bank Guarantee, Bill Discounting, Channel/Vendor/Dealer
Operations Management
Insurance
Loan Disbursement
Customer Service
Collections
MIS
Vendor Management
Credit Analysis
Credit Administration
Risk Management
Team Management

2. Financing, FDOD credit facilities & Issuance of Fund Based and Non Fund Based facilities documentation for execution as
per bank policy requirements.
 Scrutinising relevant executed documents (Fund Based & Non Fund Based) after sanction, disbursing the credit facility and
ensuring compliance with organisational credit policies.
 Scrutinising and verifying of Original Title Deeds genuineness and take the corrective action in liaising with Legal
department in case of any disconnect.
 Regular follow-up up Risk Management Team, Business Team, Branches for adherence of pending compliances.
 Responsible for managing daily exceptions, handling audit queries and resolving/removing the same within TAT.
 Analysing the data, maintaining weekly, monthly & quarterly MIS reports and ensuring error free reports and driving quality
through service excellence.
 Responsible for processing of TD Maturity, Limit Closure request, Title deed release, Insurance and Vendor Management.
 Responsible for updating borrower & title deeds information in CERSAI application after disbursement.
 Working on Finacle Software of SME segment to adhere the monitoring compliance like updation of stock statement,
collateral values, insurance updation & etc.
 Ensuring compliance with Credit guidelines, Know Your Customer and Anti-Money Laundering guidelines.
 Monitoring credit accounts regularly to identify early warning signals & to ensure zero delinquency in the portfolio.
 Adhering to RBI guidelines during the processing of SME segment credit facility.
 Handling the operation team of four members and managing end to end credit administration process.
 Participating as a key player while implementing systems & processes for smooth functioning of daily activities within the
department.
30-Sep’11 to 01-Nov-2012 at Yes Bank Ltd, India as an Assistant Manager in Credit Administration & Risk Management (SME
Segment).
Job Role: -
 Appraising Credit Approval Memo (Sanctioned) & Loan facilities granted to SME segment customers as per Credit Policy
of Bank.
 Accountable for generation of Facility Letter/Sanction Letter for Cash Credit, Working Capital Demand Loan, Overdraft,
Term Loan, Letter of Credit, Buyer’s Credit, Bank Guarantee, Bill Discounting, Channel/Vendor/Dealer Financing, LCBD,
SBLC, FDOD, FDBG,FDLC credit facilities & Issuance of Fund Based and Non Fund Based facilities documentation for
execution as per bank policy requirements.
 Scrutinising relevant executed documents (Fund Based & Non Fund Based) after sanction, disbursing the credit facility and
ensuring compliance with organisational credit policies.
 Scrutinising and verifying of Original Title Deeds genuineness and take the corrective action in liaising with Legal
department in case of any disconnect.
 Responsible for updating borrower & title deeds information in CERSAI application after disbursement.
 Responsible for managing daily exceptions, handling audit queries and resolving/removing the same within TAT.
 Analysing the data, maintaining weekly, monthly & quarterly MIS reports and ensuring quality, error free reports and driving
quality through service excellence.
 Responsible for processing of TD Maturity, Limit Closure request, Title deed release, Insurance and Vendor Management.
 Working on Flex Cube retail & C-Cube Software of SME segment.
 Participated in Time & Motion study for calculating the accurate work productivity of team members.
 Participated in 5s operational functions while implementing into the system.
02’Feb’09 to 29-Sept’11 at Business Link Marketing- Dubai as an Associate of Samba Financial Group of Saudi Arabia as Credit
Administrator in Personal Loan and Credit Card Division
Job Role: -
 Responsible for underwriting the Personal Instalment loan & Salary Transfer Letter personal finance products.
 Responsible for underwriting the Credit Card applications as per policy requirements.
 Analysing the profile and requirement of the applicant- salaried Individual and self employed customers.
 Preparing the Cash Flow Statement for self employed segment for calculating the loan eligibility.
 Checking the financial documents like loan tenor PDC's & SI in terms of EMI amount in word and figure, date, customer
signature before approving and sending to operation for disbursal.
 Scrutinising and verifying the self employed documents like KYC, Trade license, MOA, AOA, POA, Partnership Deed & 6
months bank statement in terms of validity, authenticity and repaying capacity of credit products.

3. Scrutinising and verifying the salaried Individual documents like KYC, 3 month payslips, original salary certificate, salary
transfer letter, 3 months bank statement in terms of validity, authenticity and credentials on parameters like the earning
capacity (including DBR).
 Responsible for underwriting the cross sell card, balance transfer, card upgrades, limit changes on existing cards, lien card
& branch priority card applications.
 Accountable for generating IC’s for conventional and booking commodity for Al Khair customers.
 Performing credit checks like Em-Credit for Em-Bounce, Central Bank & Complinet checking for external profile checks of
the customers.
 Approving the personal finance and credit card applications as per my delegation credit authority.
 Undertaking vendor management for Al WASL credit history checks & field visits reports.
 Working on J. Star application for personal finance and new application for credit card applications.
 Handling the post administration checking for maintaining the 100% efficiency at credit division level after the approval of
credit card and personal finance applications before dispatching to operation.
 Co-ordinating with operational divisions for delivering the credit card deliverables to customer within TAT.
17Aug’08-25Dec’08 at Noor BPO L.L.C (A subsidiary company of Noor Islamic Bank, Dubai) as Quality Analyst
Key Projects Handled:
Title : Emirates Bank Project
Duration: 2 months
Description :
 Handling the PDC reconciliation of Emirates Bank - Auto & Personal Loan General Ledger Accounts.
 Working on:
o Loan Management System Module in Finnone & Equation Software for all loan & CASA account track records and
status.
o ICCS-connect for outward clearing, inward clearing & return processing of Emirates Bank assets operation division for
PDC presentation status towards loan EMI.
 Accountable for data management and MIS publication to higher management.
 Co-ordinating with all operational Divisions of Emirates Bank for understanding the process which is required for achieving
the project success.
 Participating in day to day project presentations & meeting for achieving the project success with in TAT.
Title : GE Money Al futtaim Project
Duration: 2.5 months
Description :
 Working for GE Money Al futtaim as a Project Processor/ Quality Analyst for Auto Loan, Personal Loan & Sales Finance
Products. Authorising the entire data inputting & loan boarding quality checking in the system.
 Handling the quality checking of the documents provided by sales for salaried, self-employed & corporate cases.
 Appraising the credit worthiness of the customer applied for Auto, Personal & Sales Finance Loans.
 Managing:
o DMS (Read/Write soft Fax & IBM CM) and Finnone Software (LOS & LMS).
o Em-credit for Em-bounce & Central Bank checking applications for external profile checks of the customers.
 Accountable for testing the Finnone Software (LOS & LMS) during dry run period of Ge Money Auto Loan/ Personal Loan
and Sales Finance products.
15Nov’06-09Aug’08 Yes Bank Ltd, India as a Senior Officer in Retail Assets Operation (LAP, PL & BL)
Job Role:
 Conducting pre-disbursement checks and authenticating the docs provided by the sales & credit.
 Handling the:
o Entire loan boarding process into the retail assets system.
o Customer service & collection in Retail Assets Operation.
o Query Resolution Department and MIS publication to branches & management.
o Credit shield process for loan coverage insurance with Max New York Life Insurance.
o Vendors’ management for file storage and retrieval of all physical instruments in FRFC as a custodian.
o ATM reconciliation process for Delhi & NCR offsite locations.
o Salary uploaded process in the system for Corporate Customers Salary Accounts.

4. o Handling the disbursement and PDC management services through PDC/ ECS/ SI with support of centralised clearing
department.
 Working on Flex Cube retail/ corporate and Finnone Software (LOS & LMS) of Retail Assets Operation.
 Opening/ scrutinising CASA Accounts: Saving, Current, Term Deposits, Mutual fund, NRI, NRO & Salary Account in Flex
Cube System.
 Participated as a key performer during implementing the retail assets operation policy and migration of loans into finnone
system.
03Nov’05-10Nov’06 at Shelters (An Associate of Citibank), India as a Credit Officer in Home Loan & Loan against Property
Division
Job Role:
 Appraising the credit worthiness of a person applied for Mortgage Loans.
 Checking credit and fraud to ensure the positive loan processed
 Sorting out the discrepancies on daily basis with support of the respective branches.
 Organising personal discussions with the customer in-house & visiting sites at office premises.
 Preparing credit appraisal memorandum sheet for HL & LAP products and payment plans for developer properties.
 Working on Citibank ALPS Software-Loan Management System for mortgages products.
 Recommending the loans for final sanctioning approval and handling the disbursement as per loan products.
 Coordinating with lawyer for understanding the property paper chain and with valuer for current market property
valuation.
 Ensuring:
o Inter-departmental coordination with sales, credit, vendors and different branches pertaining to day-to-day credit
issues.
o Approvals are 100% complete as per the programs and policies approved.
o That co-ordination among the team members and motivated them to reduce the TAT (Turn around Time) & smooth
functioned of end-to-end operations in the unit for loan processed.
 Monitoring timely renewals of credit limits & mitigating risks.
 Analysing risk undertaken in imparted loan against property.
Education
 B.Com. (Hons.) from North Bengal University, India in 2004.
Other Qualifications
 IC-33 certification from Insurance Regulatory and Development Authority of India.
 Six months Diploma in Computer Foundation.
 Six months Diploma in two packages of D.T.P (PageMaker & Corel Draw).
 Proficiency in accounting package Tally 5.4 & 6.3.
 Knowledge of internet surfing and having typing speed 45 W.P.M.
Personal Details
Date of Birth : 24th
March, 1984
Address : Block – 10E, Sector – 4, Pushp Vihar, M.B Road, New Delhi ( India) - 110017
Passport Details : G3091967
Nationality : Indian
Marital Status : Married
Languages Known : Hindi, English & Bengali
Area of Interest : Credit Administration & Risk Management (Banking)
Hobbies : Sports (Indoor & Outdoor), Workout in GYM & Adventures

5. Date : 21.10.2015
Place : New Delhi

6. Date : 21.10.2015
Place : New Delhi