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Mobile: 9445040674 E-Mail: raghujibann@yahoo.co.in ~ raghujibann@gmail.com

Corporate Finance/SME Finance / Banking Operations/ Credit Administration / FOREX & Trade Finance

~ Senior Banking Professional ~

An Overview
CORE COMPETENCIES Strategic Planning Branch Administration Banking Operations Corporate Banking Credit Administration Risk Assessment Trade Finance FOREX Management Client Relationship Management M.B.A, C.A.I.I.B. with over 14 years experience in Banking & Branch Operations, Credit Administration, FOREX & Trade Finance, Business Development, Client Relationship Management and Team Management. Presently associated with Knowledge Trust as Head of Finance involves in overall financial operation, financial appraisal, budgeting, MIS report, business policy, etc. Earlier associated with State Bank of Mysore as Credit Analyst involves in credit appraisal; distinction of appraising proposals for high value accounts & scrutinizing relevant documents / reports before sanctioning / disbursing loans, ensuring compliance with organisational credit policies. Industrial scenario analysis of major sectors. Demonstrated business acumen in leading and managing the banking operations, effectively discharging the functions and achieving higher rate of organic growth. A result oriented leader with proven expertise in leading delinquent accounts, recovery planning, effectuating risk policies, managing wide risks and implementing mechanisms to mitigate risks. In-depth understanding & experience of handling Foreign Departments in FOREX Front Office covering currencies viz., USD, EURO, GBP; different derivative products like INR Swaps, Cross Currency Swaps, Forward Contracts, etc. Knowledge of documentary credits like UCPDC600, URR525, URC522; SWIFT Operations as well as FEMA regulations. Working knowledge about SEPA. Extensive background in complex and challenging environments with proven ability to represent the company with clients and service providers alike. Team based management style with abilities in creating a conducive environment to work. Advance Course in Business Analytics from Shailesh J Mehta School of Management, IIT, Mumbai. Having working knowledge about derivative products. Pursuing FRM(Financial Risk Manager) from GARP(Global Association of Risk Professionals).

Organisational Scan
Since June96: State Bank of Mysore Growth Path: Jun96-Jun98 Jun98-May01 Jun01-Jun04 Jun04-Jun06 Jun06-Dec08 Dec08-Sept.10 Non10-till date

Probationary Officer, Mysore, New Delhi and Kolar (Karnataka) In-Charge, FOREX Treasury Back Office, Mumbai In-Charge, FOREX Department, Kolkata Branch Manager, Karnataka In Charge Medium & Small Corporate Finance, Bhubaneswar Branch Credit Analyst, Credit Cell (RASMECC), Chennai Head of Finance, Knowledge Trust

Accountabilities: Banking Operations Handling banking operations related to determining financial objectives, preparing & implementing systems, policies & procedures for streamlining the banking operations. Supervising financial restructuring / re-engineering to attain sustainability of various projects. Conceptualising the budgets of the branches as well as formulating various action plans with regard to maintenance of quality of assets, recovery of bad debts, etc.

Performing the key role of validating business plans & commercial strategies for maximizing profitability & revenue generation in line with corporate goals.

Credit Administration Conducting risk analysis and scrutinizing relevant documents like before sanctioning / disbursing various kinds of loans ensuring compliance with organisational credit policies across Chennai, branches covering Tamil Nadu, Andhra Pradesh and Kerala. Assessing needs of clients and accordingly charting out viable finance portfolio after considering financial, legal and technical aspects. Performing the functions of assessing creditworthiness of clients and taking adequate steps to ensure receipt of payments and recovery of debts. Supervising and controlling delinquency and credit loss. Making risk policies, managing risks and implementing effective mechanisms to mitigate them. Handle the project related to sectors like Steel, Cement, Auto Component, ITES, Infrastrucure etc. FOREX Management & Trade Finance Managing on branch basis, domestic & international payment orders, negotiation / collection of clean instruments, miscellaneous remittances, imports / exports transactions, letter of credits and bank guarantee transactions. Sending and receiving the remittance, managing complaints on ongoing basis; involved in amendments, cancellation, queries, etc. of transactions. Establishing/amendments for import LCs & TT payments to suppliers as per terms, settlement of documents through TR or bank guarantee; carrying out negotiation of export collection/LC documents. Working knowledge about derivative products and fundamental/technical analysis of market. Business Development Framing result-oriented business generation plans & policies for attainment of pre-designated profitability/ revenue estimates. Analysing business potential, devising strategies for business development and achieving targets. Monitoring competitor activities and devising effective counter measures. Maintaining excellent relations with clients to generate avenues for further business. Client Relationship Management Managing customer centric operations, forwarding customer instructions to the concerned department & ensuring customer satisfaction by achieving delivery & service quality norms. Interfacing with clients for understanding their requirements & suggesting the most viable solutions / products and cultivating relations with them for customer retention & securing repeat business. Developing relationships with the customers in target markets for business development. Team Management Leading, mentoring & monitoring the performance of the team members to ensure efficiency in process operations and meeting of individual & group targets. Creating and sustaining a dynamic environment that fosters development opportunities and motivates high performance amongst team members. Significant Highlights: Play a key role in the RASMECCC set up. Streamlined the working in RASMECCC, Chennai Appreciation letters received from the bank. Five-fold increase in business as Branch Manager

Scholastics
1994 Masters in Management Studies Finance, Marketing from Utkal University

Professional Certifications: Advance Course in Business Analytics from Shailesh J Mehta School of Management, IIT, Mumbai Covers the following topics:-

o o o o o o o o o

Econometric models, Discriminant and Logistic regression Time series analysis autocorrelation, ARMA, ARIMA models, Box-Jenkins approach Volatility clustering, Leverage effect, ARCH, Multivariate GARCH models Panel data econometrics Segmentation methods Cluster and Factor analysis, CHAID, Bonferroni adjustments Artificial Neural networks Discrete choice, Probit and Logit models, Ordinal, multinomial and Nested models Poisson distribution, Markov models Analysis Bootstrapping
CAIIB from Indian Institute of Banking and Finance. Certificate course in Trade Finance from Indian Institute of Banking and Finance.

SME Finance for Bankers from Indian Institute of Banking and Finance. Pursuing FRM from GARP

Personal Dossier
Date of Birth Residential Address Linguistic Abilities Present salary : : : : 18th June, MIG-14, Bhubaneswar English, Hindi, Oriya, Kannada & Bengali Rs.150000/- p.m.