CURRICULUM VITAE=============================================================================

Bijan Kumar Mohanty mohantybijan@gmail.com Contact- +91 9717721243

Professional Qualification

PGDM (Finance/Marketing) Aggregate 70% IIMT College of Management, Year 2007-2009 Greater Noida Educational Qualifications

2003–2006 Aggregate 57% U.N College, F.M.University, OdishaBachelor of Commerce (B. Com. Honors)

2001–2003 Aggregate 60% U.N. College, Balasore, OdishaI.com from CHSE Board

Work Experience 6 Years

Jan 2015 – Present Axis Bank Limited Deputy Manager (Credit Operations)

Key Responsibilities

Segment: Small & Medium Enterprises (SME)/Mid Market ABS Analysis of Corporate Client Financial Follow up Report Analysis Annual Debit and Credit Summation review. Review on Stock Audit conducted by our External Agencies. Sanction Communication to borrower, getting legal vetting on properties offered as

security, taking search report from ROC, valuation of property, inspection of security etc.

Preparation of Security documents based on approved terms and gets it signed by the Borrower, Guarantors through Relationship Mangers.

Ensure compliance of all terms of sanction before making disbursement of credit facility.

Disbursement of both fund & non-fund based facilities i.e. working capital demand loan, overdraft, pre-shipment finance, post-shipment finance, Letter of Credit, Bank Guarantee etc. as required by the clients at regular intervals.

Monitoring of Stock statements on monthly/quarterly basis, scrutiny thereof, calculation of Drawing power and update the same in the system.

Keeping the insurance of securities charged to us valid on ongoing basis, inspection of units and preparation of reports. Pointing out adverse feature to Relationship manager and follow-up with him till rectification of the same.

To ensure that limits are utilized within the sanctioned limit and no over drawings are allowed without proper approvals.

Downloading reports from Finacle regarding exceptions such as expired limits, expired insurance, inspection, irregularity in the account and follow up the same till rectification

Various MIS reported to Corporate Office

1

Dec 2013 – Jan 2015 Standard Chartered Bank Asst. Manager (Credit Operation)

Key Responsibilities

Segment: Global Corporate (Corporate & Institutional)Post Sanction: - Support implementation of destination target / standard operating models which is

established by the Group Legal Sanction Communication to borrower, getting legal vetting on properties offered as

security, taking search report from ROC, valuation of property, inspection of security etc.

Preparation of Constitutional and Security documents based on approved terms and gets it signed by the Borrower, Guarantors through Relationship Mangers.

Strict adhere to processes and monitoring of credit conditions Maintain High standard of service delivery under current and revised structure in

pipeline. Accurate and timely submission of MIS Actively support all new projects Ensure Nil Regulatory Breach on any of the accounts before making limit set up in

CMS Ensure correct lodgment of documents in and timely dispatch to document house. Ensure confirmation from overseas branches for the enforceability on Corporate

Guarantee from Parent Company of the Borrower. Mortgage perfection Downloading reports from the system (CMS) regarding exceptions such as expired

limits, expired insurance, irregularity in the account and follow up the same till rectification

Updation of Title Deeds for Equitable Mortgages on CERSAI Portal.

Sep 2011 – Dec 2013 IndusInd Bank Ltd. Asst. Manager (Credit Operation)

Key Responsibilities

Segment: Small & Medium Enterprises (SME)-Business Banking GroupPost Sanction: -

Sanction Communication to borrower, getting legal vetting on properties offered as security, taking search report from ROC, valuation of property, inspection of security etc.

Preparation of Security documents based on approved terms and gets it signed by the Borrower, Guarantors through Relationship Mangers.

Ensure compliance of all terms of sanction before making disbursement of credit facility.

Disbursement Management of Working Capital Loan (Cash Credit, WCDL, Term Loan, Bank Guarantee, Channel Finance, WHR etc.)

Setting up of MIC, Opening of Deal in system on compliance of all terms and conditions of sanction.

Monitoring of Stock statements on monthly basis, scrutiny thereof, calculation of Drawing power and update the same in the system.

Keeping the insurance of securities charged to us valid on ongoing basis, inspection of units and preparation of reports. Pointing out adverse feature to Relationship manager and follow-up with him till rectification of the same.

2

To ensure that limits are utilised within the sanctioned limit and no over drawings are allowed without proper approvals.

Downloading reports from DIME regarding exceptions such as expired limits, expired insurance, irregularity in the account and follow up the same till rectification

Credit analysis as per Sanction note. MIS Updation of Title Deeds for Equitable Mortgages on CERSAI Portal.

Jun 2009- Sep 2011 Credit Operation

Shriram Transport Finance Co. Ltd. / Shriram Equipment Finance Co. Ltd.(Shriram Group of Companies)

Key Responsibilities

Commercial Vehicle Finance, Project Finance, Construction Equipment finance and all documentation activities of the entire trade process

Financial Analysis Loan Disbursement Management Profitability Management during each transaction Credit and Risk Analysis; responsible for credit setting and risk assessment before

approving a transaction TAT (Turn Around Time) Analysis Preparing MIS every day. Provide training to Branch Executives Performing complete Loans Processing Activities timely with accuracy followed

by various checks in process. Maintain all Advance Report & Settlement Report

May 2006 – March 2007 CitiFinancial Credit Operation

Key Responsibilities

Prepare MIS on daily basis and reporting to the Reporting Officer. Document Checking before Disbursement Complete Loan processing activities Prepare of the file receiving tracker and summary sheet. Handling PDD related queries and quality resolution

Strengths

Flexibility to handle situation Ability to work hard, consistency & loyalty to my company. Commitment, punctuality & dedication to my work. Ability to perform well under pressure Ability to handle problematic assignments.

Hobbies Net Surfing, Making new friends.

Character Traits

Positive attitude. Self confidence and discipline. Enthusiastic & Motivated

3

Personal Information

Date of Birth: May 21, 1986 Father’s name: Mr. Jitendra Mohanty Marital Status: Single Languages: English, Hindi, Odiya Present Salary: 6.5 Lacs p.a.

Address- H. N. 109, 1st Floor, New Manglapuri, M. G. Road, New Delhi

Date: Bijan Kumar Mohanty

Place: New Delhi.

4