Summary
Overview
Work History
Education
Skills
Profile Synopsis
Working Scenario
Other Achievements Interest
Linguistics
Personal Information
References
Disclaimer
Timeline
Generic
I.ARUNKUMAR

I.ARUNKUMAR

Karaikudi

Summary

To scale up the career in finance & accounting portfolio with a reputed institution and enhancing my full support for the improvement of institution with all my efforts. Motivated Bank Manager passionate about providing excellent customer service and exceeding expectations. Talented professional well-versed in service marketing and credit offerings. Inspires staff loyalty through strong leadership and communication skills. Proactive Portfolio Manager with strong background in financial analysis, budgeting and forecasting. Develops and implements financial plans and delivers strategic financial advice.

Overview

8
8
years of professional experience

Work History

Branch Manager

City Union Bank
3 2015


  • Had started my carrier as a Clerk in City Union Bank T.Nagar Branch, Chennai in Jan 2011, then elevated as a Assitant Manager at Credit Department in Central Office, Kumbakonam from 2012 to 2015.
  • Heading as Branch head at Gingee from 2015 to 2016.
  • Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
  • Optimized branch inventory management practices for improved product availability and reduced stock obsolescence costs.
  • Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
  • Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.

Underwriter

Axis Bank
06.2016 - Current
  • Had started as a Credit Manager in 2016, then elevated as Area Credit Manger as well as Senior Manager in 2020 at Madurai.
  • Now working as a Regional Credit Manager, Portfolio Dept since 2023. Handled Portfolio of Tamilnadu, Kerala and Rest of Karnataka locations.
  • Conducted ongoing market research to identify trends, enabling the company to adjust its product offerings as needed.
  • Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
  • Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
  • Maintained strong relationships with third-party vendors involved in the application process, ensuring smooth transactions for all parties involved.
  • Achieved faster turnaround times in application processing by optimizing workflows within the underwriting department.
  • Streamlined underwriting processes by creating standardized templates for evaluating applicant qualifications.

Education

MBA in Banking & Insurance -

Alagappa university
Karaikudi, Tamil Nadu

B.Com - undefined

American college
Madurai, Tamil Nadu

CAIIB - undefined

Indian Institute of Banking and Finance

Certificate course in Banking Technology (CBT) - undefined

IDBI-INTECH Ltd.

Skills

Operational Reports

Profile Synopsis

Credit analyst & front office executive with 5 years’ experience in banking sector since January 2011. Worked as a branch manager in City Union Bank, Gingee Branch since March 2015. Experienced as an underwriter from Credit Manager to Regional Credit Manager in Small Business Banking department at Axis Bank since June 2016. Having interest in analysing financial statements. Ready to take challenges in working atmosphere with go anywhere in world attitude. Enthusiastic in work by grasping thing quickly and innovating them to make it simple and completing it on time. Creating lively environment in work to achieve the target and optimum utilization of available resources.

Working Scenario

  • Processed all type of loan like corporate loan, SME, Mortgage loan, personal loan and housing loan etc for entire Andhra Pradesh which covered more than 30 branches with a total advance portfolio of Rs 3000 crores.
  • Maintaining turnaround time (TAT) for all loan proposal with tight deadlines
  • Analyzed applicant financial status, credit and property evaluations to determine feasibility of granting loans
  • Reviewed loan agreements to ensure that they are complete and accurate according to policy
  • Analyzed risks involved in the loan proposal and giving advice to mitigate these risk
  • Calculated risk rating score for the loan proposal below Rs 5 crore
  • Explained to customer/branches about the different types of loans and credit options which are available, as well as the terms of those service
  • Analyzed and prepared credit appraisal notes for the loan proposals and sent recommendations to top management for approval
  • Analyzed project report along with CMA data for all type of corporate loan including under consortium/Multiple banking arrangement
  • Very well familiar with Credit policies of the bank and documentation procedures.
  • Vide knowledge about Funded and Non funded credit facilities (Trade Finance) and know the method of financing towards the said facilities

Other Achievements Interest

  • Published an article “Bank Stocks Turning Bullish” in The Analyst Magazine on October 2010 issue.
  • Prepared a project on “PERFORMANCE OF BANKING STOCKS IN THE SECONDARY MARKET- AN ANALYSIS” while doing M.B.A (B&I) programme.
  • Holder of IRDA License and working as a Certified Financial Consultant (part time) in HDFC Standard Life Insurance Ltd since January 2009 the same was expired on 2012 itself.

Linguistics

Tamil & English

Personal Information

  • Passport Number: JO617839
  • Date of Birth: 01/25/88

References

Dr. R.M.Chidambaram, Ret.Professor & Head, Department of Bank Management, Alagappa University, Karaikudi, Tamil Nadu, +919443799726

Disclaimer

I hereby declared that the information mentioned above are true to the best of my knowledge, and I also assure that I shall fulfill my responsibilities properly and legibly with at most care through the best of my knowledge which I have gained until now.

Timeline

Underwriter

Axis Bank
06.2016 - Current

Branch Manager

City Union Bank
3 2015

MBA in Banking & Insurance -

Alagappa university

B.Com - undefined

American college

CAIIB - undefined

Indian Institute of Banking and Finance

Certificate course in Banking Technology (CBT) - undefined

IDBI-INTECH Ltd.

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