Eniyavan Muruganandham
Chennai
Summary
Dynamic credit analyst with 5+ years of experience in working capital lending. specializing in credit underwriting and risk assessment. Expertise in project finance and financial statement analysis, complemented by strong communication skills. Managed diverse portfolios, ensuring compliance and optimizing client relationships to drive business growth.
Overview
1
1
Certification
5
5
years of professional experience
Work History
Credit Analyst
Axis Bank Ltd
Chennai
06.2024 - Current
- Presently, I am working as a Credit Analyst with Axis Bank in the Working Capital division, with a total experience of over 5 years in credit underwriting and risk evaluation.
- Handling various asset products, including fund and non-fund-based WC facilities, project finance for capex, supply chain finance, vendor finance, factoring limits, lease, and rental discounting.
- Client profiles include manufacturers, traders, and service providers, like software industries, having a turnover up to 500 crores with a loan ticket size up to 120 crores.
- Portfolio size of 60+ unique CIF clients and book value of 500crs - Monitoring Portfolio health in financial and non financial covenants
Credit Analyst
Indusind Bank Ltd
Chennai
03.2021 - 05.2024
- Credit underwriting for clients having a turnover of up to 20 crores and an average lending ticket size of up to 10 crores.
- Responsibilities include Renewals, Audit and Compliance, Due Diligence.
- Portfolio Health Monitoring.
- In addition to credit underwriting, I handled MIS for South 2 Geography for NTB onboarding and segment mapping.
Education
Master of Business Administration -
Anna University
Guindy01.2020
Bachelor of Engineering - EIE
Anand Institute of Higher Technology
Chennai01.2017
HSC -
Anderson Higher Secondary School
Kanchipuram01.2013
SSLC -
Government Boys Higher Secondary School
Uthiramerur01.2011
Skills
- Writing and communication
- Leadership and teamwork
- Credit Underwriting
- Risk Assessment
- Project Finance for CapEx
- Communication and Client Negotiation
- FB / NFB Limit Assessment
- Financial statement analysis
- Ratio Analysis
- Industry research
- Debt structuring
- Cash flow analysis
- Risk mitigation strategies
Certification
JAIIB
Personal Information
Date of Birth: 02/14/96
Languages
- Hindi, Basic-Learning
- Tamil, Basic-Learning
- English, 80%
Accolades
- Recognized as the best business support for Q2 of FY23, IndusInd Bank.
- Awarded as Star of Q3 in FY23 for handling credit underwriting and MIS management effectively by ZH and ZHR, IndusInd Bank.
- Facilitated by Geo Head for the best TAT in submitting NTB proposals, with minimal queries and faster sanction, Axis Bank, Feb 2025.
- Silver Member in Q2 of FY26 - Second in Processing cases in a quarter, Axis Bank
Philosophy
The best way to predict the future is to create it. —Abraham Lincoln
Languages
English
Advanced (C1)
C1
Tamil
Native
Native
Hindi
Beginner
A1
Accomplishments
Top Performer in Q2 of FY26 - Gold Member for processing a high number of cases.
Timeline
Credit Analyst
Axis Bank Ltd
06.2024 - Current
Credit Analyst
Indusind Bank Ltd
03.2021 - 05.2024
Master of Business Administration -
Anna University
Bachelor of Engineering - EIE
Anand Institute of Higher Technology
HSC -
Anderson Higher Secondary School
SSLC -
Government Boys Higher Secondary School