Kevin Christian

• Enterprising professional leveraging 10 years of cross-functional experience in impacting organization profitability through Credit appraisal, regulatory compliance and business development of the region.
• Proficient in Credit assessment, Credit Appraisal & Credit Risk evaluation while ensuring accomplishment of the desired targets. Extensive experience in credit risk portfolio management including regular monitoring & delinquency analysis.
• A strategic decision maker with expertise in Credit Risk and pointing out financial/non-financial covenants of sanction/approvals. Expertise in analysing Feasibilities of Proposal, Financial Statements, Stock Statements, Stock/Receivables audit Reports.
• Extensive experience in analysing the business models of the borrowing units to assess Working capital requirements of the borrowers.
• An effective communicator with excellent relationship building & interpersonal skills; strong analytical, problem-solving & organizational capabilities. Enterprising Leader with ability to deal with people across levels and from diverse backgrounds.

I have started my Journey as a Banker with IDBI Bank Ltd in Year 2014. I was first posted as Branch Banking and where I have handled multiple desks viz Operations, Sales, Assets etc. Then in March 2019, I was transferred to Retail Asset Center where I have learned Credit Appraisal of Home Loan and Mortgage Loan. In June 2020, I was promoted as Manager and transferred to Retail Asset Operations and where I have learned Operations part of Retail Assets. In Feb 2023, I was transferred to Credit Solution Center and where I have learned Credit Appraisal of SME i.e Working Capital, Term Loan and Non Fund Based Limit assessment.