1. SHAHNAWAZ AHMED Curriculum Vitae
B.Com, M.B.A.
WORK EXPERIENCE
Credit Manager, State Bank of India, Location – Bangalore
(April 2012 – Present)
• Understanding the credit requirement of companies and structuring of facilities (working capital, term loan , bank guarantees,
Letter of Credit etc.), finalization of sanction terms
• Responsible for ascertaining the credit quality of corporate bodies through a detailed analysis of the financial statements, ratio
analysis, preparation of financial models, studying the cash flows and conducting sensitivity, analysis of industry performance
and borrower’s performance relative to peers, management and corporate governance quality
• The job also involves interacting with the senior management of the borrower entities and conducting site visits to evaluate the
business performance and assessing the risks involved in the business taking into account all operational, financial and market
information
• Obtaining information from a wide range of sources including rating agencies, published accounts, market data, industry
reports, press articles, etc. and conducting due diligence, CIBIL checks etc.
• Preparation of Credit notes for loan proposals of corporate bodies and presenting it internally to circle credit committees for
sanctioning and controlling purpose.
• On-going monitoring of assigned loan portfolio and maintaining relationship with existing clients
• Taking care of documentation, Pre and post disbursement follow up and compliances
• Organizing the seminars from time to time for the customers to intimate about the new products, ascertaining problems faced
by the customers and providing solutions.
• Among Top 3 branches to successfully start and implement Channel Financing Scheme to Dealers of Indian Oil Corporation
Limited (IOCL) and Bharat Petroleum Corporation Limited (BPCL) in whole Bangalore circle
• Preparation of Cost - Income analysis on Credit proposals by way of Credit Conversion factor method
• Annual Review & Renewal of credit limits of the existing cash credit customers and enhancement / Reduction of the limits
depending upon Risk associated with the account .
• Risk & return analysis of the Companies Credit facilities by using various in-house built tools and presentation of their reports
along with remarks and recommendation to the controlling authorities .
• Providing letter of Credit above sanctioned limit to the clients in case of emergency payment.
• Providing Export packing Credit in form of both Pre & Post Shipment facility and providing Foreign exchange service in the
branch itself .
• Have Retained the rating of the accounts at A++ level(i.e. Managed Excellent) during Internal Risk audit and RBI audit at the
closure of the financial years consecutively.
• Have worked as Relationship Manager (Medium Enterprises) from April 2011 – March 2012 at State bank of India-
Bangalore with responsibility to take care of credit of 50 corporate clients.
Management Executive – Sate bank of India, Bangalore
(April 2010-March 2011)
• Responsible for Dealing with Retail Credit with prime emphasis on Housing and Car loans.
• Providing Foreign Exchange Services available at the branch to the customers especially
• Maintaining affairs of the Branch operations department with prime emphasis on balancing of all the accounts during
Quarter and Year Closing to confirm to BASEL Norms.
• Enhancing Deposit & Advances of the branch by regular addition of new depositors and borrowers.
• Maintaining rating of the Branch during Audits.
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2. SHAHNAWAZ AHMED Curriculum Vitae
B.Com, M.B.A.
Relationship Manager – Portfolio Management (Pry Investment Company), Location – New Delhi
(September 2009 – March 2010)
• Preparation of Portfolio reports for High Networth Individuals and Presentation of the report to the Seniors alonfg with
recommendation and remarks.
• Responsible for maintaining the portfolio of the clients as per their requirement by Investing the sum in Capital & Money
Market Instruments.
• The job also involved briefing Clients the status of their investment through Personalised Meeting once every two months and
in between as in when required.
• Obtaining information from a wide range of sources including rating agencies, published accounts, market data, industry
reports, press articles, etc.
• On-going monitoring & surveillance of assigned industry portfolio
Summer Internship at HDFC Bank, Greater Kailash -II, New Delhi training
(May 2008- June 2008)
• The Internship involved doing market research of the area to see the Investment Behaviour of the Customers i.e. their preferrred
choice of investment from options of Shares , Mutual Funds, Banks Fixed Deposit Product, Insurance products or any other
product preferred by customers individually.
• The role involved market research by way of taking responses on the personal questionnaire prepared with the inputs from
department and Banks' senior official.
• The research was carried out by personally visiting all the 117 Shopowners at the Greater Kailash – II Market
• The Outcome of the report was that Customers preferred to invest primarily in Fixed Deposit schemes of the Banks as they
were more safety oriented than risk aversed.
EDUCATION
OTHER COURSES
• Have successfully Completed CAIIB & JAIIB Examination in first attempts organised by Indian Banking Association
• Scored 89.90% during AMFI certification exam and Jointly on top position in whole of SBI, Bangalore Circle.
• Have SP certification from IRDA for SBI General Insurance and CIF certification for SBI Life Insurance Company.
• Completed Performance based leadership development program by Harvard Manage Mentor
• Various internal trainings & programmes on forex, risk, credit etc.
PERSONAL INFORMATION
• Date of birth: 01/11/1986
• Languages: English, Hindi
• Marital status: Unmarried
• Hobbies & Interest: Current Affairs, Reading, travelling, listening to music, Gardening & Cooking
• IT Skill sets: Proficient in working with various tools of MS Office (Excel, Word, and Power point)
• Mobile: +91-9611820784; e-mail: ahmed.shahnawaz.07@gmail.com
• Communication Address: State Bank of India, Ligade Building, Ashok Nagar, Nipani, Belgaum -591237 (Karnataka)
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Masters in Business Administration
Jamia Millia Islamia, New Delhi
2009
Bachelor of Commerce
Banaras Hindu University, Varanasi
2006
Class XII
ISCE
2003
Class X
ICSE
2001

3. SHAHNAWAZ AHMED Curriculum Vitae
B.Com, M.B.A.
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