Firm grip over SQL: understanding of users and their interaction with products to interpret data needs for business through in-depth examination of user engagement
Maheswari R
CREDIT/FINANCE ANALYST
Bangalore
Summary
Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than 7 years of well-versed 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. Dedicated Bank of Baroda professional utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
9
9
years of professional experience
4
4
years of post-secondary education
6
6
Certifications
Work History
Credit Risk Analyst/Finance Analyst
BANK OF BARODA
BANGALORE
11.2014 - Current
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Assessed credit risk and analyzed financial statements.
- Conducted presentations to upper management and executive teams for loan recommendations.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Optimized credit approval and collection processes, improving operational efficiencies by over 98%.
- Used FINACLE to perform credit appraisals, document verification and loan approvals.
- Adhered to banking standards and government lending guidelines for loan services.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Checked appraisals, title information and insurance documents for each property.
- Complied with internal controls and government regulations.
- Made decisions and recommendations about extending lines of credit.
- Performed credit reviews on corporations to assess financial conditions.
- Reviewed customer files on regular basis to make sure receivables were in sound condition.
- Led the procurement & processing of retail portfolio proposals with an approximate value of Rs. 200.00 Cr. in 3 years.
- Accustomed a process of lending to tech based companies by sorting out the companies as per their product/service potential.
- Piloted 50-60 proposals during Covid-19 within the agreed timeline and visited advocate offices & valuers to complete funding in time and following the scheme guidelines
DESIGN ANALYST/SAS PROGRAMMER
ICON CLINICAL RESEARCH PVT LTD
CHENNAI
09.2012 - 09.2013
- Coordinated deployments of new software, feature updates and fixes.
- Supervised work of programmers, designers and technicians, assigned tasks and monitored performance against targets.
- Conducted data modeling, performance and integration testing.
- Tested troubleshooting methods and documented resolutions for inclusion in knowledge base for support team use.
- Translated technical concepts and information into terms parties could easily comprehend.
Education
B.TECH - INFORMATION TECHNOLOGY
THE ANNA UNIVERSITY OF TECHNOLOGY
TIRUCHIRAPALLI 05.2008 - 07.2011
POST GRADUATE DIPLOMA IN BANKING AND FINANCE - FINANCIAL ACCOUNTING/BANKING/RISK/AML/KYC
The Indian Institute of Banking & Finance (IIBF)
BANGALORE 10.2013 - 07.2014
Skills
Credit risk
Accomplishments
- Supervised team of 35 branches in bengaluru region.
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Best Credit Officer for the outstanding performance & successfully canvassing and processing the home and auto loans | FY 21-22.
- Employee of the Month for achieving PAN India target and Bengaluru region holding first position in Auto loans | Nov. 2021.
- Best Nodal Officer for retail loans canvassing the insurance products across Bengaluru region.
- Collaborated with team of 215 in the development of digital loan platform.
Certification
JAIIB (IIBF)
Software
Techno-functional in querying databases and using statistical computer languages (Python) to manipulate data and draw insights from large data sets
Timeline
Credit Risk Analyst/Finance Analyst
BANK OF BARODA
11.2014 - Current
POST GRADUATE DIPLOMA IN BANKING AND FINANCE - FINANCIAL ACCOUNTING/BANKING/RISK/AML/KYC
The Indian Institute of Banking & Finance (IIBF)
10.2013 - 07.2014
DESIGN ANALYST/SAS PROGRAMMER
ICON CLINICAL RESEARCH PVT LTD
09.2012 - 09.2013
B.TECH - INFORMATION TECHNOLOGY
THE ANNA UNIVERSITY OF TECHNOLOGY
05.2008 - 07.2011
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