Ashish Kumar kutruka
Karaikudi,TN
Summary
Dynamic Credit Manager with a proven track record of 10.5Years at Indian Overseas Bank. Improving credit portfolio with exceptional research, Lead generation and convertion into profitable business, Expert in credit analysis and risk assessments, demonstrating , due diligence, and decision-making skills and document review. Achieved significant improvements in operational efficiency and customer creditworthiness evaluation.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Credit Manager
Indian Overseas Bank
05.2014 - Current
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
Education
Bachelor of Science - Physics
B J B Autonomous College, Utkal University
Bhubaneswar05-2013
Proffesional Certification - JAIIB, CAIIB
IIBF
Mumbai09-2024
Skills
- Research and due diligence
- Application processing
- Application review
- Investigations
- Loan origination
- Risk assessments
- Credit analysis
Certification
- Professional Certification by IIBF, Mumbai in JAIIB and CAIIB.
Timeline
Credit Manager
Indian Overseas Bank
05.2014 - Current
- Professional Certification by IIBF, Mumbai in JAIIB and CAIIB.
Bachelor of Science - Physics
B J B Autonomous College, Utkal University
Proffesional Certification - JAIIB, CAIIB
IIBF
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