Credit Officer, Asst. Manager – Financial Analyst - Central Office, Chennai - Chennai
(2026-06)
- Administered credit portfolio of Rs. 5640 crores in corporate sector for submission to various committees, including board of directors, ensuring compliance and informed decision-making.
- Reviewed feasibility of credit proposals sourced from various regions, managing entire process from due diligence to sanction to mitigate risks.
- Detailed examination of financial statements and annual report featuring independent auditor's report for financial modeling.
- Evaluated diverse reports such as stock audit, ASM, vetting, legal, and valuation reports for risk identification.
- Constructed detailed credit proposals compliant with organizational protocols to support informed decision making.
- Engaging with branch and regional offices to verify compliance with sanction terms.
- Submitted monthly, quarterly, and half-yearly statements to committees.
Credit Officer, Asst. Manager – Financial Analyst - Regional Office, Hyderabad - Hyderabad
(2025-06 - 2026-05)
- Managing credit portfolio of Rs. 5640 crores across MSME and corporate segments of major regional branches.
- Analyze viability of credit proposals submitted by various branches from due diligence through sanction
- Preparation of detailed credit proposals aligned with organizational guidelines for strategic decision making.
- Collaborated with branch customers and stakeholders, including panel lawyers and valuers, to ensure timely submission of credit proposals.
- Prepared detailed credit proposals that aligned with organizational guidelines to support strategic decision-making.
- Engage with branch and customer to ensure alignment with sanction requirements.
- Compiled and delivered monthly reports to relevant departments in line with managerial guidelines.
- Executed multiple MSME credit campaigns to drive credit expansion within the MSME sector.
Credit Officer, Asst. Manager – Financial Analyst - Large Corporate Branch, Hyderabad - Hyderabad
(2022-07 - 2024-05)
- Managed TReDS portfolio, scaling business from Rs.700 crs to Rs.1310 crs, exceeding growth targets.
- Administered credit portfolio amounting to rs.200 crs
- Spearheaded management of TReDS portfolio, scaling from Rs. 700 crs to Rs. 1310 crs and exceeding target for period.
- Conducted daily bidding and counter-bidding for bills on three distinct platforms. Secured daily funding for all won bids, ensuring operational continuity. Oversaw approximately 150 daily transactions for bill purchases and repayments, promoting accuracy. Optimized bidding strategies to maximize success rates across platforms.
- Maintained records of TReDS limits for corporate clients across multiple platforms. for trends limits of approximately 175 corporate clients across 3 platforms with annual renewal of lapsed limits to ensure limit availability during bidding.
- Created regular due diligence reports to assess creditworthiness of clients. due diligence reports from diverse sources to validate creditworthiness and security of advances.
- Monthly reconciliation of outstanding bills to prevent income leakage & omissions.
- Collaborated with representatives of diverse TReDS platforms to optimize business growth and enhance strategic partnerships.
- Performed detailed financial scrutiny of credit proposals at branch ensuring viability for strategic decision making.
- Facilitating and coordinating with auditors, stakeholders, and higher authorities for execution of various audits, valuations, legal opinions, visits, etc.
- Supervising credit portfolio allocation through system alerts and examining results for presentation to senior management for action
Credit Officer, Asst. Manager – Financial Analyst - Regional Office, Mangalore - Mangalore
(2018-10 - 2022-06)
- Served as MSME nodal officer for the region, facilitating communication between branches and management.
- Managed credit portfolio totaling Rs. 152 crores
- Analyze credit proposals from multiple branches, assessing viability from due diligence through sanction phases.
- Thorough examination of financial statements and annual report including independent auditor's report for financial modeling.
- Development of thorough credit proposals adhering to organizational standards for effective decision making.
- Executed outreach to branches and customers, ensuring compliance with sanction conditions.
- Delivered monthly reports to relevant departments for management review.
- Managed data operations for MSME loan portfolio, enhancing regional oversight as nodal officer.
- Acted as primary contact for MSME loan portfolio for higher authorities and branches.
- Guided branches in navigating MSME programs from bank and government, especially during COVID period.
- Spearheaded coverage for nearly 500 GECL accounts on NCGTC portal.
- Secured timely NPA marking in portal and claim lodgement to ensure no claims are omitted.
Credit Monitoring Officer, Asst. Manager – Financial Analyst - Regional Office, Mangalore - Mangalore
(2015-12 - 2022-09)
- Led the department independently, coordinating tasks and resources to achieve operational goals.
- Conducted timely review of loans sanctioned by 67 branches to ensure safety of advances portfolio and detect any malicious activity.
- during evaluation, recognizing training necessities and proposing branch officers for training to boost proposal excellence.
- Facilitated training sessions on practical aspects of credit processing to ensure proposal quality and safeguard advances.
- Managing high value accounts through regular surveillance statements & automated early warnings to facilitate required corrective actions.
- Engaged with branches to recover special mention accounts, preventing slippage to NPA.
- Coordinated with auditors and branches to execute audits on loan portfolio, ensuring timely adherence to regulatory requirements.
- Evaluating audit reports for any risks and delivering findings to different committees for appropriate corrective actions.
Credit Officer, Asst. Manager – Financial Analyst - Regional Office, Ernakulam - Ernakulam
(2012-10 - 2015-11)
- Conducted thorough assessment of credit proposals from branches, ensuring compliance and clarity at all stages from due diligence to sanction.
- Thorough examination of financial statements and annual report including independent auditor's report for financial modeling.
- Creation of extensive credit proposals consistent with organizational protocols for effective decision making.
- Conduct follow-up with branch and customer to verify compliance with sanction terms.
- Submitted various monthly statements to relevant departments as mandated by management.
Probationary Officer, Asst. Manager – Financial Analyst - Perumbavoor Branch, Ernakulam - Ernakulam
(2012-02 - 2015-09)
- Primary liaison for customer at branch and manage daily cash transactions.
- Facilitated deposit canvassing while ensuring seamless account openings in the system. Handled account entries with precision, maintaining up-to-date records. Optimized workflows for improved accuracy in account management.
- Entered stock statements into the system accurately, maintaining data integrity.
