Gayathri R

Job Role :Credit Analyst and underwriting loans

· Compliance & Credit Analysis,credit Assessment/Underwriting(Approval authority of 3.00 million AUD )

· Conducted financial review of customer lines of credit by assessing financials and initiating credit application reviews.

· Reviewed credit reports to comprehensively view borrowers credit history and identify potential red flags.

· Analyzed credit scores to determine borrowers credit worthiness.

· Made decisions and recommendation about extending credit after considering the risk associated with outside policy decisions.

· Investigated and resolved customer disputed ralted to credit decisions.

· Trained in using assessment tools RLS,RLM and CAP along with other supporting platforms

· Assisting branch managers for identifying potential risks of a project.

· Expertise in scrutinizing,recording and processing transactions based on the rules and guidelines laid down by various controlling bodies like RBI , SEBI ,FEMA and other law bodies-Post sanctioning of loans

· Deep knowledge about investment banking and capital market policies and procedures.

· Comprehensive knowledge about American & European Markets,Basel III norms

· Proactively managing financial, regulatory and operational risks.

· Describing and estimating the risks affecting the business.

· Scrutinizing the company’s property, equipment and resources.

· Classifying, evaluating, and monitoring the company’s risk.

· Implement strategies to minimize the exposure to any risk.

· Carrying out audits and assessments reviews.

· Conducting weekly project reviews of all active tasks.

· Producing financial forecasts, monitoring against them and then reporting the results.

· Defining risk appetite.

· Leading project & programme risk management.

· Analyzing complex data from various sources.

· Proficient in appraising proposals,risk/deviation analysis & scrutinizing bank statements to identify diversion of money,extensive knowledge on Retail Forex & Remittance centre Operations

· Process advanced knowledge in Finacle 10.25

· Strong Organizer,motivator,team player and a decisive leader

· Excellent ability to investigate unusual financial activities in a dynamic and complex business environment.