Irene Sarah George
Bengaluru
Summary
Dynamic Credit Manager with extensive experience at Federal Bank, excelling in financial statement analysis and credit risk management. Proven track record in enhancing operational compliance and fostering customer relationships, leading to improved credit decision efficiency. Adept at cross-functional collaboration and team leadership, driving successful credit policy development and risk mitigation strategies.
Overview
12
12
years of professional experience
5
5
years of post-secondary education
1
1
Certification
Work History
Credit Manager
Federal Bank
Bengaluru (Bangalore) Urban
03.2014 - Current
- Managed credit assessments for loan applications and customer accounts.
- Developed credit policies to enhance risk management strategies.
- Analyzed financial statements to evaluate borrower creditworthiness.
- Oversaw collections process and negotiated repayment plans with clients.
- Trained and mentored junior staff on credit evaluation procedures.
- Collaborated with sales teams to align credit terms with business goals.
- Conducted regular audits of credit files for compliance and accuracy.
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Evaluated customer applications for credit limits in accordance with established guidelines.
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
- Reviewed accounts for signs of fraud and non-payment issues.
- Developed and maintained relationships with customers to ensure prompt payments on accounts receivable.
- Ensured timely and accurate processing of all credit transactions.
- Submitted delinquent accounts to collections department or outside resources.
- Evaluated business practices and loan procedures to assess risk and develop mitigation plans to protect business operations and assets.
- Applied deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Compiled data and analyzed latest trends, identifying risks preventatively.
- Identified possible issues with credit systems and monitoring by streamlining processes ahead of time.
- Provided guidance and support to other departments regarding the development of new credit policies and procedures.
- Completed ongoing professional training to facilitate accurate and productive credit management.
- Enhanced customer satisfaction by providing timely and informed credit decisions.
- Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
Education
Bachelor of Engineering And Technology - Electronics And Communications Engineering
East Point College of Engineering And Technology
Bengaluru (Bangalore) Urban, India 06.2009 - 06.2014
Skills
- Financial Statement Analysis
- Credit evaluation
- Customer relationship management
- Operational compliance
- Data analysis
- Cross-functional collaboration
- Problem solving
- Effective communication
- Team leadership
- Loan origination
- Credit risk management
- Regulatory compliance
- Credit evaluations
- Credit analysis
- Loan policy limits
- Risk assessments
- Risk analysis
- Credit reports
Certification
- Jaiib
- Caiib
- IIBF Certified Credit Professional
- Moody's Certificate in Commerical Credit
- CFA level 1 aspirant
Accomplishments
- Consistently Achieved Highest grade for maintaining credit hygiene for the retail credit portfolio of 300 crore for a branch with a business size of 1200 crore for last 3 years.
- Sourced, processed and disbursed close to 50 crore worth loans for last financial year.
- Obtained Appreciation and was awarded for achieving branch targets set for loan sourcing and compliance management in Bank Pan India campaign consistently for last 3 years.
Timeline
Credit Manager
Federal Bank
03.2014 - Current
Bachelor of Engineering And Technology - Electronics And Communications Engineering
East Point College of Engineering And Technology
06.2009 - 06.2014