DILIP NARAYANAN K
Summary
Resourceful, skilled in credit policies, record updates and financial statement reviews. Looking for position with growing organization that provides growth, continuous learning and a role that demonstrates the society.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Risk Associate
Deutsche Bank
Chennai
05.2023 - Current
- Ensured timely and accurate processing of all credit transactions.
- Underwriting Working capital (MSME), Loan against property and Business loans proposals.
- Reviewed financial documents and records to ensure accuracy of information.
Area Credit Manager
Axis Bank
Bangalore
09.2021 - 05.2023
- Working under Small Business Banking (SBB) vertical
- Underwriting Working Capital Loans, Lease Rentals and recommending to the competent authority
- Responding to Audit compliances
- Applied deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
Credit Manager
Karur Vysya Bank
Central Office, Karur
11.2018 - 09.2021
- Working with management to evaluate credit strategies and develop improvements.
- Appraising credit applications having turnover up to ₹ 250cr
- Submitting delinquent accounts for restructuring.
- Evaluating business practices and loan procedures.
- Reaching out customers to collect outstanding payments via one-time or negotiated installment methods.
- Reviewing credit records to evaluate customer histories.
- Reviewing financial documents of companies.
- Collecting and organizing all loan documents for underwriting.
Credit Officer, Ahmedabad Regional Office
Tamilnad Mercantile Bank Ltd
Ahmedabad
06.2015 - 10.2018
- Primarily Working on MSME Business Loans proposals & Retail loans
- Recommending Loan approvals and denials based on Customer Loan application reviews
- Preparing Credit appraisals and Credit concessions
- Scrutinizing Credit Rating based on Rating Assessment Model
- Developing financial analysis reports and presentations by applying acquired financial principles
Motor Underwriting, Head Office
Reliance General Insurance
Mumbai
09.2013 - 10.2014
- Underwriting Motor Insurance Proposals
- Calculating and working on Combined Operating Ratio
- Offering Motor premium discounts to premier customers and group fleets
- Minimizing Losses of the motor products
- Ensuring Regulatory Compliance
Education
MBA - Insurance & Banking
Amity University
Noida, UP2013
Bachelor of Science - Computer Science
Loyola College
2011
Skills
- Strong Banking Ethics
- Credit Underwriting
- Financial Analysis
- Risk Management Assessments
- Compliance, banking laws and regulations
- MSME loan products
- Detail-oriented
- Mutual funds knowledge
- File/records maintenance
- Critical thinking
- Quick learner
- Talented public speaker
- Forecasting and planning
- Excellent time management
- Fluency in English Language
- Customer service-focused
- Microsoft Office
- Reports generation and analysis
- Financial statement review
- Banking regulations
- Month-end and year-end closings
- Multitasking
Certification
- Certified Associate of Indian Institute of Banking (CAIIB), IIBF
- Certified Credit Professional, IIBF
- Diploma in International Banking & Finance, IIBF
- Certificate in Foreign Exchange Operations, IIBF
- Certificate in SME Finance for Bankers, IIBF
- Certificate in Risk Management, IIBF
- Certificate in Financial Advising, IIBF
- Certificate in KYC/ AML, IIBF
- Certificate in Micro finance, IIBF
- Depository Operations, NISM
- Mutual Fund Operations, NISM
- Principles of General Insurance, Insurance Institute of India
- Liability Insurance, Insurance Institute of India
Personal Information
- Current Place: Chennai, Tamilnadu, India
- Year of Birth: 1991
- Languages known: Tamil, English, Hindi
Timeline
Risk Associate
Deutsche Bank
05.2023 - Current
Area Credit Manager
Axis Bank
09.2021 - 05.2023
Credit Manager
Karur Vysya Bank
11.2018 - 09.2021
Credit Officer, Ahmedabad Regional Office
Tamilnad Mercantile Bank Ltd
06.2015 - 10.2018
Motor Underwriting, Head Office
Reliance General Insurance
09.2013 - 10.2014
MBA - Insurance & Banking
Amity University
Bachelor of Science - Computer Science
Loyola College
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