Anusha Kannepalli
General Banking And Credit Officer
Visakhapatnam,AP
Summary
Dynamic banking professional with extensive experience at State Bank of India, excelling in risk analysis and credit assessment. Proven track record in enhancing portfolio management and customer relations, achieving significant improvements in loan approval processes. Adept at decision-making and fostering high-performance teams, driving operational efficiency and client satisfaction.
Credit professional with comprehensive experience in credit evaluation and risk mitigation. Recognized for fostering collaboration within teams and delivering reliable results, adapting seamlessly to evolving business needs. Expertise in financial analysis, decision making, and client relationship management.
Knowledgeable with solid background in credit assessment and risk management. Adept at evaluating financial documents and determining creditworthiness, consistently ensuring compliance with regulatory standards. Demonstrated skills in financial analysis and customer relationship management.
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Pursuing full-time role that presents professional challenges and leverages interpersonal skills, effective time management, and problem-solving expertise.
Demonstrates strong analytical, communication, and teamwork skills, with proven ability to quickly adapt to new environments. Eager to contribute to team success and further develop professional skills. Brings positive attitude and commitment to continuous learning and growth.
Overview
9
9
years of professional experience
Work History
Credit Officer
State Bank of India, SBI
12.2024 - Current
- Implemented robust monitoring systems to track performance metrics of existing loans, identifying areas requiring attention or intervention.
- Checked appraisals, title information and insurance documents for each property.
- Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
- Streamlined loan approval processes with the development of standardized credit policies and procedures.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Adhered to banking standards and government lending guidelines for loan services.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Managed a diverse portfolio of commercial loans, maintaining strong client relationships while mitigating risk exposure for the organization.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Negotiated favorable terms with clients for both secured and unsecured lending products, resulting in mutually beneficial agreements.
Bank Manager
Bank Of Maharashtra
11.2022 - 10.2024
- Conducted regular audits to ensure adherence to regulatory requirements, maintaining a strong control environment.
- Identified opportunities for process improvement within the branch, leveraging industry best practices to enhance efficiency.
- Maintained scheduling for main branch to keep shifts appropriately staffed.
- Cultivated a high-performance culture within the branch by setting clear expectations and rewarding top performers accordingly.
- Managed banking operations for smooth daily transactions, ensuring accuracy and compliance with regulations.
- Oversaw budget planning and expense management for the branch, ensuring financial goals were met or exceeded consistently.
- Increased customer satisfaction by implementing efficient banking processes and providing exceptional service.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Improved operational efficiency by streamlining processes and implementing new technologies.
- Complied with established internal controls and policies.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Analyzed business processes to identify cost savings and operational efficiencies.
General Banking Officer and Recovery
IDBI Bank
10.2016 - 09.2022
- Developed key relationships with clients, providing exceptional service and fostering long-term partnerships.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Organized and finalized loan applications for underwriter review.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Supported business growth initiatives by assisting in the identification of new market opportunities for expansion within the credit sector.
- Facilitated timely decision-making on loan applications through clear communication with internal stakeholders and prompt resolution of any queries or discrepancies.
- Increased customer satisfaction scores by promptly addressing concerns and resolving issues related to credit products.
- Negotiated favorable terms with clients for both secured and unsecured lending products, resulting in mutually beneficial agreements.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
Education
Bachelor of Technology - Electrical, Electronics And Communications Engineering
GMR INSTITUTE OF TECHNOLOGY AND MANAGEMENT
Rajam, India 04.2001 -
Skills
Financial statement review
Timeline
Credit Officer
State Bank of India, SBI
12.2024 - Current
Bank Manager
Bank Of Maharashtra
11.2022 - 10.2024
General Banking Officer and Recovery
IDBI Bank
10.2016 - 09.2022
Bachelor of Technology - Electrical, Electronics And Communications Engineering
GMR INSTITUTE OF TECHNOLOGY AND MANAGEMENT
04.2001 -