Joyphilos Madana

Commercial Credit Risk professional with 2.5 years of experience in commercial lending, credit underwriting, financial statement analysis and credit risk assessment within banking and financial services. Skilled at independently evaluating credit proposals for MSME and mid-market clients, performing financial spreading, cash flow analysis, working capital assessment and ratio analysis. Proven ability to prepare comprehensive CAM/CALs, recommend credit structures, collaborate with relationship managers and stakeholders, monitor portfolio quality and ensure compliance with internal policies and regulatory requirements.

Deputy Manager Band II - ICICI Bank

(2021-03 - 2023-07)

• Performed end-to-end underwriting and credit appraisal of commercial lending proposals across diverse industries.
• Evaluated borrower financial performance through detailed analysis of balance sheets, income statements, cash flow statements, bank statements, GST returns, income tax returns, and credit bureau reports.
• Assessed business viability, repayment capacity, management quality, operational performance, and industry risks.
• Prepared Credit Appraisal Memorandums (CAMs) and Credit Arrangement Letters (CALs) in accordance with internal credit policies.
• Conducted financial spreading, ratio analysis, cash flow assessment, and working capital evaluation.
• Recommended appropriate credit structures aligned with customer requirements and the Bank's risk appetite.
• Partnered with Relationship Managers, Legal, Operations, and Credit Administration teams throughout the credit approval lifecycle.
• Monitored commercial credit portfolios, identified early warning signals, and recommended timely risk mitigation strategies.
• Mentored newly hired analysts on financial analysis, underwriting standards, credit policy, and risk assessment.
• Recognized with MERC360 Award (2021) and PALMS Award (2022) for quality underwriting and portfolio management.

MBA/PGDM - Finance - ICFAI Business School, Bangalore (2021)