Credit Analyst (WORKING CAPITAL) - Karur Vysya Bank - Coimbatore
(2025-10)
Seating in Coimbatore, handled files of Coimbatore, Tirupur, Salem, Pollachi and some Northern locations of Chandigarh and Amritsar. Possess knowledge & exposure in Credit Analysis, Portfolio Management, and Business Analysis & Customer Relationship Management.
- Analyzed and processed Working Capital loan Proposals up to Rs. 20 Crores including CC, OD, Term Loan, LC, BG, CMTL, EPC/PCFC and FBD/FBP/FBN
- Conducted detailed financial statement analysis of Balance Sheet, P&L, Cash flow to assess borrower creditworthiness
- Assessed working capital assessment methods such as Turnover Method, GST Program method, Second method of lending, Cash budget method and Operating Cycle method
- Performed ratio analysis including liquidity, profitability, gearing and Coverage ratios
- Verifying the Stock Statements, statement of Debtors/Creditors and Inventory level to ensure adequacy of drawing power
- Prepared credit appraisal notes (CAM) and Sanction memorandum with recommendations
- Ensured compliance with internal credit policies, RBI Guidelines and lending norms
- Analyzed Bank statements, GST returns and CMA data for consistency and Red flags
- Evaluated Fund based and Non Fund based limits based on operating cycle and business requirements
- Reviewed Renewal and Enhancement proposals for existing WC Limits
- Maintained MIS and very perfect in maintaining TAT
- Interacting with customers to understand their business model, operations, and funding requirements
- Prepared PD notes summarizing business profile, site observations, and credit recommendations
- Coordinated with relationship managers and credit teams to clarify customer inputs and proposal details
Credit Processing Associate (WORKING CAPITAL) - Kotak Mahindra Bank - Coimbatore
(2023-05 - 2025-10)
Seating in Coimbatore, handled files of Coimbatore, Tirupur, Karur, Salem, Erode, Madurai, Dindigul and Trichy. Total experience: 2 Years 5 Months.
- Processing of Fresh, Renewals, Mofifications and Enhancement proposals upto Rs. 30 Crores of the Working Capital Limits
- Developed and maintained strong relationships with key stakeholders including Banks, Creditors and customers
- Implemented a credit monitoring system to proactively identify and manage potential credit risks
- Presented CREDIT ANALYSIS FINDINGS & RECOMMENDATIONS to senior management
- Collaborated with other departments such as sales and marketing to develop and implement credit strategies
- Ability to effectively manage competing deadlines for projects in a high pressure environment, with varying degrees of supervision
- Evaluating loan structures by analysing CIBIL REPORTS of an individual & Borrowing Firm
- Analysed loan transactions & identified CREDIT RISKS in each of it and prepared necessary projections
- Prepared Credit approval documents like (SANCTION LETTER) for various Relationship Managers in the firm according to corporate loan policy
- Dealing with the products like OD, CC, BG, GECL, TERM LOAN, EPC/PCFC, FBD/FBP/FBN, VAR and SUB limits such as WCDL, MTM etc.
- Processed over 25 cases per month originating from branches and open marketing sources adhering to company's TAT
- Preparation of various MIS – Like work in progress, sanction, un-disbursed to various internal stakeholders on daily/weekly/monthly basis
- Reviewed Renewal and Enhancement proposals for existing WC Limits
- Maintained MIS and very perfect in maintaining TAT
- Interacting with customers to understand their business model, operations, and funding requirements
- Prepared PD notes summarizing business profile, site observations, and credit recommendations
- Coordinated with relationship managers and credit teams to clarify customer inputs and proposal details
