Chandan Negi

Credit Manager (09/18/1982 – 01/11/2010)

Senior Manager (2008 – Jan 2010) • Conducted Market Survey for identification of potential borrowers and growth area. • Increased funding network10 times and the lines of Credit amount from equivalent to US $3.2 Million to equivalent to US $32.0 Million in the last place of posting. • Supervised Credit Department including loan applications, approvals and loan disbursement procedures. • Performed investigations of prospective clients including individuals and corporations, who submit loan application to verify collateral comprising property, operations and economic conditions. • Processed Credit Proposals, made SWOT analysis, analyzed technical and financial feasibility of the unit. Sanctioned Working Capital and Term Loans to corporate borrowers and retail traders Manager (Credit/Foreign Exchange) (2001 – 2008) Credit Section • Sanctioned Consumer Loans and other Retail Credit facilities such as Vehicle Loan, Housing Loan, Education Loan and Personal Loan. • Took decisions related to sanctions/refusal of such applications • Analyzed the financial statements viz. Balance Sheet, Profit & Loss Account, Cash Flow and Fund Flow statements and made ratio analysis to arrive at a decision on sanction of a Loan. Foreign Exchange Section • Initiated the Foreign Exchange Section in two separate branches of the bank from scratch and successfully established it to function further before handing over to the other officials. • Supervised the Department of Foreign Exchange, covering administrative and financial operational activities. • Supervised Trade Finance, disbursement of Pre-Shipment (Packing Credit) and Post-Shipment Loans and other Export related activities. Officer (1992 – 2001) Credit Section • Organized and verifyed all the Legal and other documentation from the borrower before disbursing the Loan sanctioned to them. • Undertook visits to the Trading and Manufacturing units to verify the stocks, Plant & Machinery and Land and Building hypothecated as security to the bank. • Follow up on default cases and coordinating with the Bank’s legal department on action against such default cases. • Represented the Bank at various legal platforms to coordinate recovery of lost funds. Foreign Exchange Section • Handled, Purchasing and Negotiating the Foreign Sight and Acceptance Bills under Letter of Credit (LC) and against Order. • Corresponding with apex Banking authorities. • Handled of Import Documentary Bills • Opened Import LC and handing Bills under LC. • Remitted funds and Opened LC through SWIFT. Clerk (1982 – 1992) • Partaking in cash handling, ledger maintenance, cheque clearing, inward and outward Bill for Collection. • Performed duties of a Teller. • Prepared and submitting diverse statements. • Contributed to Credit section operation activities.

Last Employer: Oriental Bank of Commerce, Delhi, India

Contact Person: N.K.Sabharwal (Cheif Manager) 011-91-22055409

Responsibilities: Conducted Market Survey for identification of potential borrowers and growth area. • Increased funding network10 times and the lines of Credit amount from equivalent to US $3.2 Million to equivalent to US $32.0 Million in the last place of posting. • Supervised Credit Department including loan applications, approvals and loan disbursement procedures. • Performed investigations of prospective clients including individuals and corporations, who submit loan application to verify collateral comprising property, operations and economic conditions. • Processed Credit Proposals, made SWOT analysis, analyzed technical and financial feasibility of the unit. Sanctioned Working Capital and Term Loans to corporate borrowers and retail traders

Accomplishments: Sanctioned Consumer Loans and other Retail Credit facilities such as Vehicle Loan, Housing Loan, Education Loan and Personal Loan. • Took decisions related to sanctions/refusal of such applications • Analyzed the financial statements viz. Balance Sheet, Profit & Loss Account, Cash Flow and Fund Flow statements and made ratio analysis to arrive at a decision on sanction of a Loan. Foreign Exchange Section • Initiated the Foreign Exchange Section in two separate branches of the bank from scratch and successfully established it to function further before handing over to the other officials. • Supervised the Department of Foreign Exchange, covering administrative and financial operational activities. • Supervised Trade Finance, disbursement of Pre-Shipment (Packing Credit) and Post-Shipment Loans and other Export related activities.

Establishment: University of Rajastahn, Jaipur, India

Degree: B.Comm.

Education Period: 07/01/1977 - 06/30/1980

Speciality: Commerce

Average Grade: 55.00

Details: Accountancy and Business Statistics