MS Office with basis Excel Formulas
Kamal P
Credit Analyst
Summary
Highly organized Credit Analyst offers excellent interpersonal communication skills and attention to detail. Uses problem-solving skills and multi-tasking while demonstrating high level of accuracy. Knowledgeable in compliance and related regulations enabling superior results.
Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than 9+ years of resolving credit disputes and making recommendations on bad debt accounts.
Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
11
11
years of professional experience
Work History
C09 - Credit Analyst
Citi Corp Services India Pvt. Ltd.
04.2017 - Current
- Investigating the CCR Report with customer details and validating the Financial details like Bank statements, Pay slips & documents like KYC of the customer
- Performed credit reviews to assess financial conditions.
- Analyzing the mandatory checks of the applicants like Eclipse Search, Citi Screening Checks and ABN Search
- Analyzed creditworthiness of loan applicants and determined credit risk requests.
- Optimized risk-return profiles by applying advanced statistical models and stress testing methodologies during underwriting processes.
- Assessed credit risk and analyzed financial statements.
- Made decisions and recommendations about extending lines of credit.
- Reviewed and approved or denied credit applications to keep organization profitable by making decisions.
- Performed Australia Mortgage Processing Pre-Screening and Credit decisions.
Credit Card Specialist
Serco Global Services
01.2015 - 07.2017
- Performed and worked in Islamic Banking Credit Card Issuance, Maintenance Activities and analyzing the complete Customer KYC details.
- Generating the work file from client and segregating the work files for the respective staff for processing.
- Prioritizing the escalated, top urgent, VIP customer cases
- Implemented strategies to reduce risk of credit card fraud and identity theft.
- Checking whether the customer is eligible for providing the Covered card and meets all the criteria of Terms and conditions according to Islamic Banking.
- Maintained accurate records of all transactions, updating client information regularly for improved data management practices.
- Implemented credit card account maintenance procedures to determine accuracy of customer information and compliance with federal regulations.
- Supported continued monitoring, auditing and reporting to drive compliance and optimize credit card processing.
Customer Service Executive
Bank of New York Mellon Pvt. Ltd.
12.2012 - 04.2014
- Bank cheque will be loaded in the specific application for processing, Verifying and Validating the details.
- Checks will be containing the client name, Payee Name, Account No., Date and Tax codes.
- Supported for processing the Check Transactions within EOD.
- Continuously updated knowledge of store policies, procedures, ensuring accurate information dissemination to customers.
- Contributed to process improvement initiatives by suggesting ways to optimize data entry tasks for optimal productivity.
- Secured and protected data from unauthorized access by complying with security protocols.
Education
Bachelor of Arts - Computer Application
Nazareth College of Arts, University of Madras.
Chennai 04.2001 - 2009.05
High School Diploma -
Good Shepherd Matriculation Hr. Sec. School
Chennai, India 04.2001 - 2009.04
SSLC -
Good Shepherd Matriculation Hr. Sec. School, Pattabiram
04.2007
Skills
Multitasking Abilities
undefinedPersonal Information
- Father's Name: Paramasivam. K
- Date of Birth: 16-April-1991
- Gender: Male
Passport
Yes
Disclaimer
I do hereby declare that the above mentioned information is correct up to my knowledge and I bear the for the correctness of the above responsibility mentioned particulars.
Software
Timeline
C09 - Credit Analyst
Citi Corp Services India Pvt. Ltd.
04.2017 - Current
Credit Card Specialist
Serco Global Services
01.2015 - 07.2017
Customer Service Executive
Bank of New York Mellon Pvt. Ltd.
12.2012 - 04.2014
Bachelor of Arts - Computer Application
Nazareth College of Arts, University of Madras.
04.2001 - 2009.05
High School Diploma -
Good Shepherd Matriculation Hr. Sec. School
04.2001 - 2009.04
SSLC -
Good Shepherd Matriculation Hr. Sec. School, Pattabiram
Similar Profiles
Punit MundraPunit Mundra
Manager (C11)- Financial Planning & Analysis at Citi Bank (Citi Corp Services India Pvt. Ltd.)Manager (C11)- Financial Planning & Analysis at Citi Bank (Citi Corp Services India Pvt. Ltd.)
Tauseef AhmadTauseef Ahmad
Assistant Vice President at Citi Corp Services India Pvt. Ltd. (Citi Bank)Assistant Vice President at Citi Corp Services India Pvt. Ltd. (Citi Bank)
Ajay Harsil MAjay Harsil M
IAM Migrations and Service Delivery at Citi Corp Services India Pvt. Ltd.IAM Migrations and Service Delivery at Citi Corp Services India Pvt. Ltd.