Bhavani Sankar Sai Annam
Gudlavalleru
Summary
Dynamic Sr. Credit Manager at ICICI Bank Ltd, specializing in credit analysis and risk assessment. Proven track record in enhancing client relationships and leading teams to achieve performance improvements. Adept at policy development and implementation, driving strategic initiatives that optimize financial forecasting and credit evaluations.
Seasoned Credit Manager, knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
An organized and motivated individual, eager to utilize time management and organizational skills across diverse settings. Seeking entry-level opportunities to enhance abilities while contributing to the company's growth.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Sr.Credit Manager in Retail Assets (Grade DMII)
ICICI Bank Ltd
, Hyderabad
07.2022 - Current
- Company Overview: ICICI Bank Ltd, , Hyderabad.
- Credit Manager in Home Loans and Personal Loans.
- Conducted periodic reviews of existing clients to adjust credit limits and terms as necessary.
- Developed or analyzed information to assess current or future financial status of firms.
- Coordinated with external auditors during annual compliance reviews of the company's lending activities.
- Reviewed customer financial statements, credit ratings, and other information to determine creditworthiness of potential customers.
- Maintained accurate and up-to-date records of all credit transactions and decisions.
- Analyzed credit risk and developed strategies to reduce exposure.
Credit & Operations Manager
Origo Finance Pvt Ltd
Gudivada
12.2019 - 06.2022
- Company Overview: Origo Finance Pvt. Ltd., Gudivada, A.P.
- Business Loans.
- Origo Finance Pvt. Ltd., Gudivada, A.P.
- Client: Leading NBFC.
Operations Executive & Assistant Accountant
M/s Sri Sai Krishna Agencies (Mahindra Tractors)
Gudivada
05.2017 - 11.2019
- Company Overview: M/s Sri Sai Krishna Agencies (Mahindra Tractors), Gudivada, A.P.
- Client: Auto Mobiles, Insurance Company, Government Registrations
- M/s Sri Sai Krishna Agencies (Mahindra Tractors), Gudivada, A.P.
Education
MBA - Finance & Marketing
V.K.R, V.N.B & A.G.K Engineering College, Gudivada
Jawaharlal Nehuru Technology University04-2017
B.COM Graduate - General
K.V Commerce Gudivada
Krishna University,04-2015
Skills
- Credit analysis
- Risk assessment
- Team collaboration
- Excels in team leadership
- Strategic communication management professional (SCMP)
- Certified california municipal treasurer (CCMT)
- Communication management professional
- Certified payroll professional
- Credit evaluations
- Performance improvements
- Mentoring and training
- Application processing
- Credit scoring
- Financial forecasting
- Policy implementation
- Client relationship management
- Credit risk management
- Performance monitoring
- Regulatory compliance
- Portfolio management
- Financial modeling
- Customer service
- Team leadership
- Underwriting expertise
- Loan structuring
- Credit policy development
- Credit reports
Accomplishments
Origo Finance Pvt Ltd has given the Appreciation for Best Employee and Best Team Player Award
ICICI Bank Ltd has given to the customer-360 Award.
Certification
Certified in Credit Skills for Bankers – Retail Lending
Timeline
Sr.Credit Manager in Retail Assets (Grade DMII)
ICICI Bank Ltd
07.2022 - Current
Credit & Operations Manager
Origo Finance Pvt Ltd
12.2019 - 06.2022
Operations Executive & Assistant Accountant
M/s Sri Sai Krishna Agencies (Mahindra Tractors)
05.2017 - 11.2019
MBA - Finance & Marketing
V.K.R, V.N.B & A.G.K Engineering College, Gudivada
B.COM Graduate - General
K.V Commerce Gudivada
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