R.Winarasan

Results-driven Credit Professional with 3 years of experience in credit risk assessment, financial analysis, and loan underwriting. Proven track record of managing high-value portfolios and optimizing loan processing operations. Skilled in evaluating borrower creditworthiness, ensuring strict KYC and AML compliance, and processing both working capital and business loans.

Seeking to leverage analytical skills and risk-mitigation expertise to drive profitable and risk-controlled lending decisions as a Credit Manager.

Credit Processing Associate - Kotak Mahindra Bank - Tiruppur

(2023-06)

• Portfolio Management: Successfully managed a ₹25 Crore loan portfolio across Working Capital and business loan segments.
• Process Optimization: Reduced loan processing Turnaround Time (TAT) by 20% by implementing faster and more accurate documentation verification processes.
• Credit Appraisal: Assessed borrower creditworthiness through comprehensive financial statement and income analysis (ITR, Bank Statements, P&L).
• Risk Assessment: Performed rigorous credit appraisals and ratio analysis, including Debt Service Coverage Ratio (DSCR), Loan-to-Value (LTV), and Fixed Obligation to Income Ratio (FOIR).
• Compliance & Underwriting: Ensured 100% adherence to KYC norms, internal credit policies, and regulatory guidelines during loan underwriting and approval processing.
• Documentation & Disbursement: Managed end-to-end credit documentation and facilitated smooth, timely loan disbursements.

Master of Business Administration - MBA - Alagappa University (2023 - 2025)

Bachelor of Commerce - BCOM - Park College, Tiruppur (2020 - 2023)