Akhilesh Kumar Verma
Credit Underwriter
Hyderabad,TG
Summary
Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved, review of financial documents, preparation of loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths. Appraised Loan Proposals of firms having turnover of 250 Cr and above, and underwritten proposals for working Capital limits and Term Loans of 50 Lakhs and above.
Overview
5
5
years of professional experience
4
4
years of post-secondary education
6
6
Certifications
Work History
Dy. Manager Processing / Underwriting
RACC SBI Shadnagar
Hyderabad, Telangana
09.2021 - Current
- Evaluated debt ratio, loan-to-value ratios, credit scores, property valuations and various other factors when making underwriting decisions. Maintained energy and enthusiasm in fast-paced environment.
- Performing Credit Monitoring Arrangement (CMA) and Internal Ratings. Financial statement and Ratio Analysis.
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
Branch Manager
State Bank Of India
Hyderabad, TG
07.2021 - 09.2021
- Identified and capitalized on community business opportunities with effective networking.
- Assessed employee performance and developed improvement plans.
- Review, sanction and underwriting of Credit proposals
- Restructuring of potential Loan Defaults.
Deputy Manager Credit
State Bank of India
Hyderabad, Telangana
01.2020 - 07.2021
- Handled & Monitored Retail, SME & Mortgage lending portfolio.
- Credit Appraisal, Financial statement & Ratio Analysis.
- Sanction & Underwriting.
- Credit risk management. Credit Monitoring.
- Oversaw reporting, documentation and recordkeeping requirements for department.
Assistant Manager Credit
State Bank of India
Hyderabad, Telangana
12.2017 - 12.2019
- Sourcing, Appraisal and processing of Credit proposals.
- Assessment of credit risk.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Obtained and interpreted financial statements to assist in credit limit reviews.
Education
PGPM - Finance
IMT Ghaziabad
Ghaziabad, UP 12.2020 - 12.2021
Bachelor - Computer Applications
Maharishi Mahesh Yogic Vedic Vishwavidyalay
MP 01.2012 - 01.2015
Skills
Managerial skills
Certification
Certificate Program in SME - Credit (SBI)
Timeline
Certificate Program in SME - Credit (SBI)
11-2021
Dy. Manager Processing / Underwriting
RACC SBI Shadnagar
09.2021 - Current
Branch Manager
State Bank Of India
07.2021 - 09.2021
PGPM - Finance
IMT Ghaziabad
12.2020 - 12.2021
CFA Level 1
01-2020
Deputy Manager Credit
State Bank of India
01.2020 - 07.2021
CERTIFICATE IN COMMERCIAL CREDIT - MOODY'S ANALYTICS KNOWLEDGE SERVICES
07-2019
Certificate program in Branch Management (SBI)
06-2019
CERTIFIED ASSOCIATE OF INDIAN INSTITUTE OF BANKERS - INDIAN INSTITUTE OF BANKING AND FINANCE (CAIIB)
12-2018
Assistant Manager Credit
State Bank of India
12.2017 - 12.2019
ADVANCED EXCEL - NIIT
10-2014
Bachelor - Computer Applications
Maharishi Mahesh Yogic Vedic Vishwavidyalay
01.2012 - 01.2015
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