Summary
Overview
Work History
Education
Skills
Languages
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Personal Information
Timeline
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BHARATH JULURI

BHARATH JULURI

Vijayawada

Summary

Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability.

Overview

13
13
years of professional experience
2
2
Languages

Work History

Credit Manager

ICICI BANK LTD
09.2023 - Current
  • Handling Overdraft, Drop line OD, Cash Credit and Term Loans Under Credit Policy Group
  • Credit due diligence including business, financial assessment and client interaction
  • Analyzing credit data and financial statements to determine the degree of risk in extending credit or lending money
  • Consulting with customers to resolve complaints and verifying financial and credit transactions
  • Comparing liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations
  • Studying financials including balance sheet, income statement, statement of changes in net assets, schedule of investments, cash flow statement, shareholder’s interest, financial highlights and notes to financial statements
  • Generating financial ratios, using Different programs, to evaluate customer’s financial status
  • Finalization of credit application memorandum (CAM), credit underwriting and approval
  • Work cross-functionally with sales, management, and other departments to maintain effective operations.
  • Improved credit risk management by implementing effective underwriting policies and procedures.
  • Maximized cash flow for the company by monitoring outstanding debts and optimizing collection efforts.
  • Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Presenting the case to respective sanctioning committees for approval and issuance of sanction
  • Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
  • Ensured timely resolution of disputed accounts, working closely with internal and external stakeholders to maintain positive customer relationships.
  • Leveraged advanced analytics tools in assessing borrower applications which resulted in better-informed lending decisions.

Credit Manager

Tata Capital Financial Services Limited
10.2021 - 09.2023
  • Handling Unsecured Overdrafts & Term Loans in Personal Loans and Business Loan Segment
  • Analyzing credit data and financial statements to determine the degree of risk in extending credit or lending money
  • Consulting with customers to resolve complaints and verifying financial and credit transactions
  • Comparing liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations
  • Finalization of credit application memorandum (CAM), credit underwriting and approval
  • Presenting the case to respective sanctioning committees for approval and issuance of sanction
  • Maintain credit hygiene in allocated portfolio of clients
  • Analyzing company performances, conducting bench marking study/trend analysis, interpreting financial data for determining financial performance of companies and using various business tools to assist the critical decision-making process
  • Communicate with stake holders across teams to ensure health of portfolio remains robust.
  • Evaluating customer records and recommending payment plans based on earnings, savings data, payment history.
  • Monitoring clients’ portfolio performance, conducting profitability analysis.
  • Mentored junior team members in credit management best practices to enhance overall department performance.
  • Monitor to identify early warning signals and take prompt corrective action.

Credit Manager

Bajaj Finance
10.2015 - 09.2021
  • Handled Personal Loans and Doctor Loans Under the Schemes of (Unsecured Overdrafts, Flexi Overdraft Loans and Term Loans)
  • Analyzing credit data and financial statements to determine the degree of risk in extending credit or lending money
  • Completing loan applications, including credit analyses and summaries of loan requests, and submitting to loan committees for approval
  • Comparing liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations
  • Evaluating customer records and recommending payment plans based on earnings, savings data, payment history, and purchase activity
  • Analyzing company performances, conducting bench marking study/trend analysis, interpreting financial data for determining financial performance of companies and using various business tools to assist the critical decision-making process
  • Monitoring clients’ portfolio performance, conducting profitability analysis.
  • Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
  • Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.

Accountant

Rathnalok Housing Private Ltd.
12.2010 - 10.2015
  • Monitored the administration and management activities
  • Checked and verified vouchers, bills, day books and BRS in accounts department, inventory moments
  • Performed accounts payable functions for construction expenses, managed vendor accounts & generated weekly financial analysis
  • Prepared company accounts and tax returns for audit, coordinated monthly payroll functions for employees and weekly wages labour & monthly P&L and Balance Sheet for auditing.
  • Documented cash, credit, fixed assets, accrued expenses, and line of credit transactions.
  • Gathered financial information, prepared documents, and closed books.
  • Completed daily cash functions like account tracking, payroll and wage allocations, budgeting, donating, and cash, and banking reconciliations.
  • Handled day-to-day accounting processes to drive financial accuracy.
  • Streamlined month-end closing processes, resulting in reduced time spent on financial reporting tasks.
  • Conducted technical and analytical reviews of tax returns to check for accuracy and qualified deductions.
  • Itemized taxpayer expenses to identify maximum adjustments, deductions and credits.
  • Prepared working papers, reports and supporting documentation for audit findings.
  • Tracked funds, prepared deposits and reconciled accounts.
  • Compiled general ledger entries on short schedule with 100% accuracy.

Credit Processing Analyst

Kotak Mahindra Bank
10.2013 - 10.2015
  • Monitored operational activities and underwriting of proposals in loan against property mortgage, unsecured business loans and home loans
  • Coordinated with sales team for documenting collection from customer
  • Prepared MIS report with the help of sales team
  • Evaluating customer records and recommending payment plans based on earnings, savings data, payment history, and purchase activity
  • Studying financials including balance sheet, income statement, statement of changes in net assets, schedule of investments, cash flow statement, shareholder’s interest, financial highlights and notes to financial statements.

Education

MBA - Finance

Osmania University
Hyderabad, India
03.2010

B.Com. - Taxation

Nagarjuna University
01.2008

Skills

  • Credit Management
  • Credit Evaluation/Risk Management
  • Project Financing
  • Customer Relationship Management
  • Banking & RBI Compliance
  • Financial Resources Management
  • Overdraft Loans
  • Dropline Overdraft Loans
  • Fraud knowledge
  • Unsecured Loans
  • Management
  • MIS Reporting
  • Liaising & Coordination
  • Credit analysis
  • Decision-Making
  • Work Planning
  • Application Review
  • Loan Processing
  • Fraud prevention

Languages

English
Telugu

Alternate Mobile No

9700285185

Personal Information

Date of Birth: 12/20/87

Timeline

Credit Manager

ICICI BANK LTD
09.2023 - Current

Credit Manager

Tata Capital Financial Services Limited
10.2021 - 09.2023

Credit Manager

Bajaj Finance
10.2015 - 09.2021

Credit Processing Analyst

Kotak Mahindra Bank
10.2013 - 10.2015

Accountant

Rathnalok Housing Private Ltd.
12.2010 - 10.2015

MBA - Finance

Osmania University

B.Com. - Taxation

Nagarjuna University

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