Summary
Overview
Work History
Education
Skills
Timeline
Generic
Kumar  Vishal

Kumar Vishal

Banking, Finance And Risk Management
Pune

Summary

Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than 15 years of resolving credit disputes and making recommendations on bad debt accounts.

Team-oriented individual highly skilled in credit policies and corporate regulations.

Competent Credit professional bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a Infrastructure Project and financial company.

Highly trained Credit Analyst offering excellent skills in managing issues, updating files and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought.

Offering a successful career history comprising more than 15 years.

Experienced Credit Analyst with over 15 years of experience in banking industry. Excellent reputation for resolving problems and improving customer satisfaction.

Enthusiastic credit professional eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Clear understanding of credit risk and monitiring and training in regulatory compliance. Motivated to learn, grow and excel in banking and infrastructure financing industry.

To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Reliable employee seeking Vice president position. Offering excellent communication and good judgment.

Dedicated Credit professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.

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.

Bilingual Credit Analyst familiar with creating credit risk models. Eager to apply skills in account management and research to augment an employer's services and market share.

Overview

12
12
years of professional experience
2
2
years of post-secondary education

Work History

Commercial Credit Analyst

State Bank Of Ibdia
Pune
10.2011 - Current
  • Assessed credit risk and analyzed financial statements.
  • Conducted presentations to upper management and executive teams for loan recommendations.
  • Reviewed customer files on regular basis to make sure receivables were in sound condition.
  • Gathered loan documentation for underwriting.
  • Complied with internal controls and government regulations.
  • Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
  • Improved understanding of financial statements, which helped in assessing risk.
  • Made decisions and recommendations about extending lines of credit.
  • Performed credit reviews on corporations to assess financial conditions.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
  • Worked flexible hours across night, weekend and holiday shifts.
  • Prepared variety of different written communications, reports and documents.
  • Used coordination and planning skills to achieve results according to schedule.
  • Contacted customers and requested financial documentation.

Project Financial Analyst

State Bank Of India
Pune
10.2011 - Current
  • Collected data and developed detailed spreadsheets to identify trends and create revenue, profitability and expense forecasts.
  • Performed complex financial and budget analyses to determine requirements and justify requested funding.
  • Provided valuable forecasting using cutting-edge technology to reduce costs and increase long-term productivity.
  • Developed forecasting tools to analyze revenue variances and capitalize on industry trends.
  • Reviewed financial reports and streamlined operations to increase productivity and company profits.
  • Analyzed and processed project specifics before capital deployments.
  • Determined pricing, margins and risk factors for active and proposed projects.
  • Developed corporate investment strategies to drive growth and security.
  • Solved financial problems with use of diverse analytical and modeling techniques.
  • Reviewed and analyzed project spending throughout project life cycle.
  • Collaborated on projects with lawyers, accountants or public relations experts.
  • Consolidated financial data and materials for key leadership meetings.
  • Created and maintained precise and accurate models, charts and reports.
  • Monitored and analyzed financial, statistical and operational data trends.
  • Presented results of financial analyses to clients verbally and in written form.
  • Led monthly meetings with directors to analyze spending and provide financial recommendations.

Branch Manager

State Bank Of India
Pune
05.2018 - 12.2020
  • Examined customer loan applications for loan approvals and denials.
  • Submitted loan applications to underwriter for verification and recommendation.
  • Gathered and reviewed customer feedback to improve operations.
  • Forecasted trends and recommended improvements based on financial risk analyses.
  • Assessed employee performance and developed improvement plans.
  • Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.
  • Generated financial and operational reports to assist management with business strategy.
  • Evaluated project applications and verified with outline specifications to approve, reject and recommend adjustments.
  • Resolved various issues impacting sales management and business operations.
  • Maintained friendly and professional customer interactions.
  • Completed filings and upheld strict compliance with regulatory agencies and supervisors.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
  • Compiled database of loan applicants' credit histories, financial statements and other financial information.
  • Enhanced branch production rates by handling staff conflicts, evaluations, hiring and termination processes and coaching employees on company protocol and payroll operations.
  • Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
  • Boosted sales and customer loyalty through incentive programs.
  • Reduced process bottlenecks by training and coaching employees on practices, procedures and performance strategies.

Education

MBA - Finance

Manipal University
Mumbai
04.2014 - 04.2016

Skills

Financial statements expertise

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Timeline

Branch Manager

State Bank Of India
05.2018 - 12.2020

MBA - Finance

Manipal University
04.2014 - 04.2016

Commercial Credit Analyst

State Bank Of Ibdia
10.2011 - Current

Project Financial Analyst

State Bank Of India
10.2011 - Current
Kumar VishalBanking, Finance And Risk Management