Karthik A M
Area Credit Manager
Koppal,Karnataka
Summary
Professional with strong background in credit management and risk assessment. Skilled in financial analysis, credit evaluation, and portfolio management. Strong focus on team collaboration and achieving results, adapting to changing needs seamlessly. Known for reliability, integrity, and leadership in driving financial performance and minimizing risk.
Overview
9
9
years of professional experience
Work History
Area Credit Manager
DCB Bank Ltd
Gangavathi , Karnataka
04.2023 - Current
- Headed a team along with 3 credit managers , oversaw reporting, documentation and record keeping requirements of KCC loans
- Underwriting of KCC loans up to Rs 25 lacs and taking care of entire Karnataka state portfolio, Work cross functionally with sales , management and other departments to maintain effective operations
- Implemented an efficient reporting system to track key performance indicators for the department regularly.
- Mitigated potential losses by conducting thorough due diligence on high-risk customers.
- Established strong communication channels between various departments involved in the credit management process, fostering better collaboration and efficiency.
- Streamlined the application review process, resulting in faster credit decisions for clients.
Credit Manager
DCB Bank ltd
Sindhanur, Karnataka
04.2020 - 03.2023
- Headed a team along with credit Analyst, Oversaw reporting, documentation and recordkeeping requirements for department.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Referred delinquent accounts to collections department or outside resources.
Credit Analyst
DCB Bank ltd
Sindhanur, Karnataka
08.2016 - 04.2020
- Conducted presentations to upper management and executive teams for loan recommendations.
- Assessed credit risk and analyzed financial statements.
- Made decisions and recommendations about extending lines of credit.
- Complied with internal controls and government regulations.
- Gathered loan documentation for underwriting.
Education
Bachelor of Science - Horticulture
08.2010 - 06.2014
P U C -
06.2008 - 03.2010
Secondary Education - SSLC
06.2007 - 03.2008
Skills
Investigations