M SRI RAM VISHWANATH
Credit Manager
Begaluru
Summary
Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 7years of financial industry expertise.
Overview
6
6
years of professional experience
6
6
years of post-secondary education
1
1
Certificate
Work History
Branch Manager
OVERSEAS BANK
Bengaluru
11.2021 - Current
- Boosted branch sales by developing and deepening customer loyalty
- Gathered and reviewed customer feedback to improve operations.
- Created strategies to develop and expand existing customer sales, resulting in an increase in annual sales.
- Recommended loan approvals and denials based on customer loan application reviews.
- Oversaw reporting, documentation and recordkeeping requirements for the department.
- Referred delinquent accounts to collections department or outside resources.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Performed semi-annual & annual account credit limit reviews and credit increase review requests.
Credit Manager
Indian Overseas Bank
Vellore
01.2019 - 10.2021
- Key person of the retail credit department at Regional Office (Reporting office to a cluster of 89 branches), Vellore
- Analyzing & sanction of Retail loans (with a special focus on housing, Vehicle, Mortgage, & Personal Loans) & need-based finance to MSME.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Reviewed and analyzed loan procedures.
Assistant Manager
KARUR VYSYA BANK
01.2014 - 08.2014
- Leading 5 counters managed by clerks & handling 100+ customers in a day
- Marketing bank products CASA, FD, Loans etc
- Exposure to rural banking
- Over the counter cross-sell
- Handling customer queries and escalations
- ATM Audits, Cash Deposit machine handling and reporting
- Redesigned Branch counters roles to improve branch efficiency
- Educated the customers to use internet banking.
Process Design Engineer, Jr. Design Engineer
GEOMETRIC LTD
11.2011 - 09.2013
- Design new product assembly process and study & optimize the current assembly process
- Designed optimum assembly process to bring down the lead time to 70%
- Supported engineering design development through analysis and simulation of prototypes and 3D computer models.
- Created process simulations to test operational outcomes without inducing service disruptions.
Education
MBA -
Indian Institute of Management
Kozhikode 12.2021 - Current
B.E - Mechanical Eng
Sri Ramakrishna Engineering College
Coimbatore 06.2007 - 04.2011
Higher Secondary -
Shrishti Matric Hr. Sec. School
Vellore 05.2006 - 05.2007
10th (Matriculation) -
Shrishti Matric Hr. Sec. School
Vellore 05.2004 - 05.2005
Skills
Financial analysis
Retail Credit
Housing Loan Expert
Finance to MSME
Accomplishments
- Best participant –Intensive Credit Program- at IOB Bank 2020
Certification
CAIIB
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Timeline
MBA -
Indian Institute of Management
12.2021 - Current
Branch Manager
OVERSEAS BANK
11.2021 - Current
CAIIB
01-2021
Credit Manager
Indian Overseas Bank
01.2019 - 10.2021
Assistant Manager
KARUR VYSYA BANK
01.2014 - 08.2014
Process Design Engineer, Jr. Design Engineer
GEOMETRIC LTD
11.2011 - 09.2013
B.E - Mechanical Eng
Sri Ramakrishna Engineering College
06.2007 - 04.2011
Higher Secondary -
Shrishti Matric Hr. Sec. School
05.2006 - 05.2007
10th (Matriculation) -
Shrishti Matric Hr. Sec. School
05.2004 - 05.2005