Abhinay N
Chennai
Summary
Skilled Credit Officer with 10 years of experience in a public sector bank in the domain of credit risk management, post sanction compliance and financial analysis . Strengths include ability to assess creditworthiness, manage loan portfolios, and develop effective strategies for mitigating potential risks. Achievements include driving revenue growth through strategic portfolio expansion while ensuring compliance with regulatory standards.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Credit Officer
Bank of Baroda
Chennai
05.2015 - Current
- Worked primarily in corporate and MSME credit in both pre-sanction(credit appraisal) and post sanction (credit monitoring)domains
- Also served as relationship manager for corporate clients
- Conducted regular reviews of existing customers' accounts to ensure compliance with agreed terms.
- Coordinated with internal auditors and statutory auditors for smooth completion of audit of advance accounts.
- Carried out internal risk assessment of corporate and SME clients as per standard procedure.
- Prepared detailed reports summarizing customer profiles, risk assessments, and recommendations for approval and denial of new lines of credit.
- Coordinated with legal teams when necessary to ensure compliance with applicable laws and regulations.
- Coordinated with team members at various stages and levels of the sanction process to ensure faster turnaround time in the credit decision making process
- Provided training and guidance for junior staff members in order to help them develop their skills as Credit Officers.
- Ensured compliance of internal banking guidelines and government lending regulations.
Education
MBA - Finance
College of Engineering, Anna University
Chennai05-2014
BE - Electronics And Communications Engineering
Madras Institute of Technology
Chennai05-2008
Skills
- Credit appraisal
- Credit monitoring
- Risk assessment
- Financial analysis
- Regulatory compliance
- Customer relationship management
Certification
- Certificate in Commercial Credit from Moody's Analytics
Languages
Tamil
First Language
English
Proficient (C2)
C2
Timeline
Credit Officer
Bank of Baroda
05.2015 - Current
MBA - Finance
College of Engineering, Anna University
BE - Electronics And Communications Engineering
Madras Institute of Technology