Summary
Overview
Work History
Education
Skills
Certification
Interests
Timeline
Generic

Kasthuri Periyanayagam

Banker

Summary

Hardworking Retail Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths. Knowledgeable financial professional experienced in assessing credit viability for Retail borrowers. Good organizational and critical thinking skills. Offering 6 years of related experience. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

Overview

11
11
years of professional experience
5
5
Certifications

Work History

Retail Credit Officer

Indian Overseas Bank
08.2022 - Current


  • Managed a diverse portfolio of retail loans, maintaining close monitoring of performance trends and potential risks.
  • Contributed to overall company growth by identifying new lending opportunities within the retail market segment.
  • Improved credit decision accuracy by conducting thorough analysis of retail loan applications.
  • Consistently exceeded performance targets for loan application turnaround times, contributing to overall team success in meeting customer expectations.
  • Efficiently managed high-volume workload while maintaining strict adherence to deadlines and quality standards for all completed analyses.
  • Gathered loan documentation for underwriting.
  • Made decisions and recommendations about extending lines of credit.
  • Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
  • Complied with internal controls and government regulations.
  • Enhanced customer satisfaction by accurately assessing credit needs and offering tailored solutions.

Relationship Manager

Indian Overseas Bank
11.2016 - 07.2022


  • Built and maintained relationships with new and existing clients while providing high level of expertise.
  • Maintained knowledge on banking products and distribution to provide optimal service support.
  • Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
  • Strengthened client relationships by actively listening to their needs and providing tailored financial solutions.
  • Monitored customer feedback and generated reports to identify areas of improvement.
  • Continuously updated personal knowledge of banking regulations and compliance requirements to minimize risk exposure for both clients and the organization.

Clerk/Typist

Indian Overseas Bank
03.2013 - 11.2016


  • Provided exceptional support to senior staff members, handling complex clerical tasks as needed to ensure smooth operations within the department.
  • Improved document organization by efficiently managing electronic and paper filing systems.
  • Enhanced office efficiency by maintaining a clean, organized workspace for optimal productivity.
  • Boosted customer satisfaction with prompt and accurate responses to inquiries via phone and email.

Education

MBA - Finance

Pondicherry University
Pondicherry
04.2001 -

Bachelor of Engineering - Electrical And Electronics

Sivanthi Aditanar College of Engineering
Tiruchendhur
04.2001 -

Skills

Loan Underwriting

Certification

JAIIB

Interests

Currently developed interest in Risk Management and focused to attain FRM Certification

Timeline

Retail Credit Officer

Indian Overseas Bank
08.2022 - Current

Relationship Manager

Indian Overseas Bank
11.2016 - 07.2022

Clerk/Typist

Indian Overseas Bank
03.2013 - 11.2016

MBA - Finance

Pondicherry University
04.2001 -

Bachelor of Engineering - Electrical And Electronics

Sivanthi Aditanar College of Engineering
04.2001 -

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