Surinder Kumar

  • 514, Platinum Tower adjoining sector-20, Panchkula Haryana, India.
Surinder Kumar

Chief Manager 


- 27 years experience in financial services.

- Vast experience in general banking and credit.

- All types of Project Financing.

- SME loans.

- Business Loans like Trades, Manufacturing Firms and Companies.

- Study of Balance Sheets and related financial statements and analyzing the statements.

Personal Profile:

Strong proponent of achieving goals by fostering Teamwork and collaborative relationships.

High Tolerance to ambiguity, comfortable in adapting to change and leading a team through the process. 

Work History

Work History
Aug 1988 - Nov 2015

Chief Manager

Punjab National Bank.


-Overall Branch management being Head of the Branch.

-Sanction of fresh loans (corporate and retail) within the vested powers.

-Recommendation of credit proposals for Working Capital and Project Finance to higher authorities for all proposals beyond the vested powers.

-Marketing of Bank products for achievement of allocated targets and development of the branch.

Past working Experience:

-Pre sanction appraisal for FB and NFB facilities and post sanction follow up at DIFC Dubai.

-Analysis of Financial statement and Balance sheets and MIS.

-Coordination with the borrowers and prospective borrowers for sanction of credit facilities.

-Carry out credit risk rating as per Internal Credit risk rating system.

-Taking preventive measures as per laid down system.

-General Banking.


-Selection as Credit Manager for Overseas Posting by the Bank.

-Achievement of targets allocated by the management from time to time for achievement of corporate goals.




University of Jammu

Subject: Science


Indian Institute of Bankers

Subject: Finance


Indian Institute of Bankers

Subject:  Finance


Indira Gandhi National Open University

Subject: Management


University of Jammu

Subject: Law



  • Goal-orientated
  • Approachable
  • Friendly
  • Flexible
  • Organised
  • Analytical
  • Strong team-builder
  • Cash handling expertise.
  • Familiar with account coding.
  • Background in mutual funds, stocks, bonds and investments.
  • Bank security expert.
  • Bottom Line LoanMaster Loan Servicing.