Gouri Damodaran
Credit Manager
Bengaluru,KA
Summary
Objective: Seeking a position to acquire challenging position in an environment where can best utilize skills and education. To secure a challenging position to expand learnings, knowledge and skills.
Overview
11
11
years of professional experience
Work History
Credit Manager
Kotak Mahindra Bank
Bengaluru, KA
01.2020 - Current
- Recommending cases for Salaried within 4 hours TAT. Recommends almost more than 150 cases per month.
- Decision-making on cases based on credibility and potential revenues and losses.
- Preparing Credit appraisal memo which includes Banking, Eligibility of Customer, Ratio’s and Financials analysis Online critical verifications, CIBIL, watch out investors and Pan check Coordinating and verifying internal reports which are dependent on vendors like Legal, Technical & Field investigation Responsible for handling daily and Monthly MIS reporting to senior management
- Worked on Disbursements.
- Reviewed and analyzed loan procedures.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility
- Attended ongoing professional training to facilitate accurate and productive credit management
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report
Credit Officer
ADITYA BIRLA HOUSING FINANCE LIMITED
Bangalore
01.2015 - 01.2020
- Coordinating and verifying internal reports which are dependent on vendors like Legal, Technical & Field investigation Responsible for handling daily and Monthly MIS reporting to senior management Periodic training given to vendors on documents and quality of the report Feedback on the system used and periodic development of the system in coordination with the IT Team.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams
- Recommended approval or disapproval of commercial, real estate or credit loans
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents
- Prepared reports of findings and recommendations
- Kept records of customers' charges and payments
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report
Accounts Executive
BIOLOGIC SCIENCE INSTRUMENTS PVT. LTD
01.2014 - 01.2015
- Prepares and then follows up on any sales quotations made for clients, negotiating terms with client at cost best suited for them.
- Looking into day-to-day transaction and correspondence.
J.B.BODA REINSURANCE BROKERS PVT LTD
Mumbai
06.2013 - 01.2014
- Executive Facultative Reinsurance Accounting / Claims & Fund Processing Verification & Confirmation of reinsurance premium accounts and claims received under ceding (insurance) companies under their outward arrangements.
- Processing remittances of funds received from ceding companies as premium to reinsurance companies and also to provide smooth settlement of claims and accounts Verification of facultative statistical reports and to ensure receipt of all accounts from clients.
- Day-to-day correspondence with cedants & reinsurers & maintaining appropriate records.
Education
M.Com -
Model College
B.Com -
Model College
Higher Secondary Certificate -
Model College
Secondary School Certificate -
Don Bosco School
Skills
Credit analysis
Performance monitoring
Credit risk management
Loan decision assessments
Credit evaluations
Loan reviews
Underwriting expertise
Timeline
Credit Manager
Kotak Mahindra Bank
01.2020 - Current
Credit Officer
ADITYA BIRLA HOUSING FINANCE LIMITED
01.2015 - 01.2020
Accounts Executive
BIOLOGIC SCIENCE INSTRUMENTS PVT. LTD
01.2014 - 01.2015
J.B.BODA REINSURANCE BROKERS PVT LTD
06.2013 - 01.2014
M.Com -
Model College
B.Com -
Model College
Higher Secondary Certificate -
Model College
Secondary School Certificate -
Don Bosco School
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