KRISHNAANAND K
Summary
Experienced professional with a strong background in Credit analysis and lending. Skilled in problem-solving and optimizing performance. Capable of managing credit applications upto 20 crores and turnover of 200 crores and collaborating effectively with teams. Committed to continuous learning and staying current with industry trends to contribute to organizational success.
Overview
9
9
years of professional experience
3
3
years of post-secondary education
Work History
Credit Analyst
Tamilnad Mercantile Bank Ltd
Chennai
12.2023 - Current
- Preparation of CAM.
- Balance sheet analysis.
- Handled a team of 10 relationship managers achieved a ₹ 100 crore business within 9 month duration.
- Closely worked with a team of credit analysts for CAM appraisal and knowledge sharing.
- Analysis of Legal and valuation reports.
- Visiting and discussing with borrowers for ticket size above Rs.5.00 Crores.
- Preparation of Board notes.
- Regions concentrated: PAN India.
Credit Analyst
IndusInd Bank Limited
11.2022 - 09.2023
- Processing working capital for MSME borrowers for BBG.
- Multiple.other facilities like Term loans,Working capital loans,LAP facilities and other secured advances.
- Ticket size handled from ₹5 to ₹20 crores with a turnover of ₹100 crores.
- Area of Concentration: Chennai and outer areas.
Credit Officer
Central Office
Kumbakonam
01.2019 - 01.2022
- Handling portfolios with financial tickets up to Rs. 5 crores.
- Played a key role in Automating of yearly renewal of running accounts with reduced buman Intervention providing a continuous service to customer without any delay and reducing Human burdens with this go green initiative.
- Area of Concentration: Tamil Nadu, Andhra pradesh, Telangana, Odisha, Kolkata (PAN INDIA) in term of review of existing borrowers.
Front-end Officer
CITY UNION BANK Ltd.
Coimbatore
01.2017 - 01.2019
- Gained Knowledge in basic Banking DMA
- Building Customer Relationship
- Sourcing New customers
- Worked at Branch in Coimbatore
Education
Bachelor of Commerce - HONOURS
A. M. Jain college
Madras 04.2012 - 01.2015
Higher secondary Education -
Kings Matriculation Higher Secondary School
Secondary School Education -
Prince Matriculation Higher Secondary School
Post Graduate diploma - Banking
JAIIB -
IIBF
Skills
- Microsoft office
- Financial analysis
- Business trend analysis
- Market analysis
- Credit evaluation
- Regulatory compliance
Languages
Tamil
First Language
English
Upper Intermediate
B2
Telugu
Beginner
A1
Timeline
Credit Analyst
Tamilnad Mercantile Bank Ltd
12.2023 - Current
Credit Analyst
IndusInd Bank Limited
11.2022 - 09.2023
Credit Officer
Central Office
01.2019 - 01.2022
Front-end Officer
CITY UNION BANK Ltd.
01.2017 - 01.2019
Bachelor of Commerce - HONOURS
A. M. Jain college
04.2012 - 01.2015
Higher secondary Education -
Kings Matriculation Higher Secondary School
Secondary School Education -
Prince Matriculation Higher Secondary School
Post Graduate diploma - Banking
JAIIB -
IIBF