Madhan Balakrishnan
Banking Credit Proffesional
Chennai
Summary
Have had a decent vintage in underwriting of loans both secured and unsecured. Have a fair market awareness as I have seen the sales side of the lending portfolio post taking up Financial Consultancy in the last 9 years. Have knowledge on understanding the financial documents. Have experience in handling a team and working along with them. Will be a team player and provide guidance to the team whenever it is required
Overview
23
23
years of professional experience
3
3
years of post-secondary education
4
4
Languages
Work History
Financial Consultant
Pralaks Associates
Chennai
11.2013 - Current
- Worked with clients (both individual and corporates) in identifying their financial requirements and advising them on suitable funding options basis their requirements
- Have structured these facilities with banks and NBFCs
Regional Head - Credit (South)
Deutsche Bank
Chennai
01.2009 - 10.2013
- Was responsible for credit underwriting of retail asset for South which incudes Chennai, Salem, Vellore and Bangalore locations
- The portfolio included Mortgages, Business loans and working capital facilities
- Had a joint approval authority to approve loans up to 7 crores and individual authority up to 3 crores
- Managed a team of 3 underwriters in the region
- Responsible for audit of collections in the region
- Have assisted collections team in resolving cases where there has been delinquencies, by co-ordinating with sales and the customer
- Supervised the collection of Post Disbursal Documents (PDD)
- Was a part of the budget committee for the region
City Head - Credit (Mortgages)
Deutsche Bank AG
Chennai
06.2006 - 12.2008
- Was responsible for underwriting of Mortgages and Personal Loans
- Handled a six member CPA team who assisted in processing of the files
- Handled vendors related to the process of loans which include lawyers, valuers, verification agencies including RCU
- Handled PDD collection for disbursed mortgage cases
- Had decisioned close to 1000 personal loan files on an average per month
- Had imparted timely training to all the CPA members in the team and sales force on the product and process of files
- Had periodic reviews with the support vendors to identify the issues and iron out the differences
Credit Officer - Personal Loans
ABN Amro Bank NV
Chennai
07.2005 - 05.2006
- Post closure of home loans department was moved to underwriting Personal Loans
- Responsible for decisioning of Personal Loans and Auto Loans
- Had an approval authority of 2 lacs
- Was a part of a team of 6 underwriters and worked as a team in decisioning of files
Credit Officer - Home Loans
ABN Amro Bank NV
Chennai
02.2004 - 06.2005
- Was responsible for checking the home loan files and recommending to the Credit Manager for approval of the same
- Ensured proper and periodic training to the CPA team in product and policy
- Ensured the file was complete in all aspects when the file leaves the CPA desk
- Had an approval authority of 20 lakhs for Home loans
Relationship Officer - Home Loans
ICICI Bank
Chennai
03.2002 - 01.2004
- Was responsible for process, completion and recommendation of homeloan files to the Credit Manager
- Reported to the Sales Manager of the respective channel
- Was responsible for monthly target of login, sanction and disbursement of files
- Liasoned between Sales Executive and customer in completing and closure of the file. Handheld the customer from login to disbursement stage and ensured the DD is handed over to the customer
- Had handled post disbursal queries and requirements of the customer by duly liasoning with the operations department
- Was responsible for the portfolio management database by updating the same regularly by interacting with the executives and customers
- Handled the empanelled lawyers and valuers attached to the channel
- Handled the CPA team and ensured smooth process of sanction and disbursement
- Handled the largest team of sales executives in the Homeloan department across TamilNadu and ensured the highest disbursal and sanction number across TN
Junior Executive - Disbursement
S&S Business Solutions Pvt Ltd
Chennai
04.2001 - 02.2002
- Was seconded to ICICI Home Finance Company as Executive Disbursement as a part of the CPA team
- Was responsible for co-ordination with lawyers and valuers in getting the completed report from them and thereby enabling disbursement of the file
- Was responsible for preparing the disbursement kit and completion of the same
- Was handling the disbursement of entire TamilNadu from the main office and ensuring the couriering of the disbursement cheques to respective locations
Demonstrator
RPG Cellular Services Pvt Ltd
Chennai
09.1997 - 01.1999
- Worked as a Demonstrator for RPG Cellular Services through an outsource agency
- Job profile was to deliver the SIM card and mobile phone to customers and give a proper demonstration of how to use the same
Education
Bachelor of Science - Physics
The New College
Chennai 04.1993 - 05.1996
Skills
Loans
undefinedTimeline
Financial Consultant
Pralaks Associates
11.2013 - Current
Regional Head - Credit (South)
Deutsche Bank
01.2009 - 10.2013
City Head - Credit (Mortgages)
Deutsche Bank AG
06.2006 - 12.2008
Credit Officer - Personal Loans
ABN Amro Bank NV
07.2005 - 05.2006
Credit Officer - Home Loans
ABN Amro Bank NV
02.2004 - 06.2005
Relationship Officer - Home Loans
ICICI Bank
03.2002 - 01.2004
Junior Executive - Disbursement
S&S Business Solutions Pvt Ltd
04.2001 - 02.2002
Demonstrator
RPG Cellular Services Pvt Ltd
09.1997 - 01.1999
Bachelor of Science - Physics
The New College
04.1993 - 05.1996
Similar Profiles
Madhav PangarkarMadhav Pangarkar
Audit Manager at Rahangdale & Associates, Partner, A.S. Kulkarni & AssociatesAudit Manager at Rahangdale & Associates, Partner, A.S. Kulkarni & Associates
Sidda Reddy VSidda Reddy V
Senior Manager at GVCA and Associates (fka GC Reddy & Associates)Senior Manager at GVCA and Associates (fka GC Reddy & Associates)
Crystal WeisCrystal Weis
Medical Biller at Retina Associates/Retina Vitreous Associates PCMedical Biller at Retina Associates/Retina Vitreous Associates PC
Herbert Jeffrin MHerbert Jeffrin M
Specialist - Global Funds Control at Bank of New YorkSpecialist - Global Funds Control at Bank of New York
Zaheer Syed.SZaheer Syed.S
Team Manager at GSR Global ServicesTeam Manager at GSR Global Services