Highlights:Credit Analyst (Current) at Nepal SBI Bank Limited, Junior Assistant, at Nepal SBI Bank Limited, Trainee Assistant at Citizens Bank International Limited, Medical Sales Officer at CTL Pharmaceuticals Pvt. Ltd.

Skills:Credit

Goal:To work with dedication and sincerity in order to contribute to the growth of my employer and at the same time, to develop myself professionally and personally experience gained in the leading organization.

Membership:Banker's Association Nepal

Certification:JANBI Certification CANBI Certification Finance Analyst from Lumbini Banijya Campus Economic Analyst from Butwal Multiple Campus

Honor:Certified Banker of Nepal

Credit Analyst 11/2015 - current
Nepal SBI Bank Limited, Kathmandu, Bagmati Nepal
Industry: Banking
Relationship Managers assess credit risk, analyze financial statements, manage credit relationships, track repayments, review credit reports, attend training, prepare loan proposals, monitor borrowers, ensure fund utilization, maintain stock statements, and assist with trade finance. They play a crucial role in evaluating creditworthiness, making informed decisions, and ensuring smooth credit operations for clients.
(Relationship Manager), ? Assessed credit risk and analyzed financial statements, ? Evaluating credit risk, analyzing financials data, managing credit relationship of different clients, tracking timely repayment and recovery of fund and smooth processing of credit need of every credit client, ? Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews, ? Made decisions and recommendations about extending lines of credit, ? Analyzed customer data such as financial statements to determine level of risk involved for extending credit, ? Monitored credit accounts routinely to identify and mitigate issues and prevent losses, ? Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags, ? Attended credit-related training and conferences to stay informed about industry trends and developments, ? Analyzed credit scores to determine borrowers' creditworthiness. ? Preparing Corporate and Retail loan proposals, loan documentation, all the procedure related with pre sanction to post sanction of credit facilities, ? Needful management for mortgage to Land Revenue Office, Secured Transaction Registry Office, ? Post sanction arrangement for monitoring and supervising the credit borrowers/units, ? Making sure that customers understand their loan option as well as terms and condition, ensuring end use of fund utilization, ? Maintaining the arranging stock statement update and net working capital to access the drawing power for working capital facilities, ? Helped with facilities related with trade finance like letter of credit and bank guarantee etc.--

Tribhuvan University 01/2011 - 01/2014
Kathmandu, , Nepal
Degree: Bachelor's Degree
Major:Finance
Graduated from Finance

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