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, India03.2010
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
Similar Profiles
Edison Ravi KoilpillaiEdison Ravi Koilpillai
IT Technical Sourcer Recruiter at Skillmine Technology Consulting Pvt Limited, ICICI Bank, ICICI Securities, ICICI PrudentialIT Technical Sourcer Recruiter at Skillmine Technology Consulting Pvt Limited, ICICI Bank, ICICI Securities, ICICI Prudential
SUBHANKIT SURANASUBHANKIT SURANA
Wealth Relationship Manager at ICICI BANK LTDWealth Relationship Manager at ICICI BANK LTD
Swati KumariSwati Kumari
Relationship Manager at ICICI BANK LTDRelationship Manager at ICICI BANK LTD
Divyendu KashyapDivyendu Kashyap
Regional Head Sales at ICICI Bank LtdRegional Head Sales at ICICI Bank Ltd
JOHN KENNEDYJOHN KENNEDY
INTERIOR DESIGNER at RAGHUVANSH FURNITURE AND INTERIORSINTERIOR DESIGNER at RAGHUVANSH FURNITURE AND INTERIORS