GANESH C N
Bengaluru
Summary
Credit Analyst evaluating borrower risk through review of 8–15 statements per week, including balance sheet review, income statement analysis, cash flow analysis, and CIBIL assessment. Builds CAM inputs that support lending decisions and flags file issues during detail-data-entry checks before disbursement. Tracks financial and process data in Excel to keep decisions organized and audit-ready.
Overview
1
1
Language
5
5
years of professional experience
Work History
Credit Processing Associate
Yes Bank Limited
09.2021 - Current
- Receiving Business loan Files from sales team and processing it with Data entry and moving the stage to underwriting stage
- Analyzed financial statements, including balance sheets, income statements, and cash flow statements, to evaluate the financial health of customers.
- Receiving Business loan Files from sales team and processing it with Data entry and Moving the stage to underwriting stage
- Seeing CIBIL scores of the customers and plotting the same into Excel sheet and Doing CAM (CREDIT APPRAISAL MEMORANDUM) Plotting profit and Loss accounts and Financials and sending to Credit managers for decision making
- Detail Data Entry checking (DDE CHECK) once the file is approved by credit manager file will be taken back for Data entry checking and submitting the File to operations Team for disbursement
- Maintaining MIS on daily basis ( P D MIS, LOGIN MIS And FTR FTNR MIS)
- Taking Updates From vendor Team and following up with them such as (CPV reports, checking System RCU etc)
- Due to Internal transfer, I had been moved to Secured Loans on December 2023(LAP AND HL)
- Promoted As Risk CPA processing Executive on April 2026.
Education
Masters in Commerce - undefined
Bangalore University
Bangalore, Karnataka09-2020
Bachelor Of Commerce - undefined
Bangalore University
Bangalore, Karnataka07-2018
Skills
Financial analysis
Microsoft Excel
Credit appraisal memorandum preparation
Financial statement analysis
Underwriting support
Credit risk assessment
Loan underwriting
KYC verification
CIBIL score analysis
Disbursement processing
CAM preparation
Portfolio monitoring
Microsoft Word & Office
Data entry
MIS reporting
Loan file processing
Vendor follow-up
TAT management
Case tracking
ACTIVITIES
I was elected as "VICE-PRESIDENT for ETHICS AND GOVERNANCE CLUB" IN COLLEGE. I had received MERIT PRIZE in college for scoring highest marks in Sanskrit language in BANGALORE UNIVERSITY EXAMS During the year 2017.
ACTIVITIES
Lead my "Inter-college cricket team as a winner for twice and Runners for thrice". Participated in inter-college athletics and cricket and won many prizes. Lead my "Inter-college cricket team as a winner for twice and Runners for thrice". Participated in inter-college athletics and cricket and won many prizes.
DECLARATION
I hear by confirm that the information stated above is true to my knowledge and belief.
ADDITIONAL INFORMATION
- Father Name: Narasimha Murthy C R
- Mother Name: Sathya Lakshmi C N
Timeline
Credit Processing Associate
Yes Bank Limited
09.2021 - Current
Bachelor Of Commerce - undefined
Bangalore University
Masters in Commerce - undefined
Bangalore University