Manikanta Bingila
Hyderabad
Summary
Reliable and adaptable professional with a strong reputation for problem-solving skills. Proven ability to quickly learn and apply new skills. Seeking a position that allows for the effective utilization of knowledge, abilities, and personal skills. Resourceful, innovative, and flexible approach to challenges. Committed to professional growth and dedicated to contributing to the success of the organization.
Overview
10
10
years of professional experience
Work History
Credit Manager
Kotak Mahindra Bank
Hyderabad
10.2022 - Current
- Analyzed applicants' financial status and credit evaluations to determine loan feasibility.
- Conducted comprehensive financial analysis to assess creditworthiness and potential risk factors for both new and existing customers.
- Conducting personal discussion with applicants to gather additional information, get clarification of any concerns or questions.
- Understanding business profiles of self-employed through ground visits, performing necessary cross-checks.
- Manage the entire end-to-end credit approval process from application review to final disbursement.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Work cross-functionally with sales, legal, technical and other departments for effective processing of files.
- Monitored accounts for signs of non-payment issues.
- Implement training for junior team members to enhance overall team performance.
Senior Banking Officer
City Union Bank
06.2018 - 09.2022
- Evaluate loan documents and ensure accuracy and completeness
- Analyze financial statements like balance sheet, income statement and creating credit appraisal note for existing and prospective clients in accordance with the bank's loan policy
- Conducting Due diligence of prospective clients through various external and internal sources
- Evaluate potential customers creditworthiness
- Interpretation of Credit Bureau Report, Assessment of Income, Analysis of Bank statements and assessing eligibility of existing and prospective customers
- Perform risk assessments on potential borrowers based on borrowing history, repayment history and through credit rating
- Adhering to TAT and timelines as prescribed
- Conducting discussion with customers to ascertain their loan requirements
- Meeting with prospective customers and understanding their loan requirements and assessing their repayment capacity
- Respond quickly and complete any ad-hoc facility requests received
Senior Associate
DST Worldwide Services
Hyderabad
12.2014 - 05.2018
- Company Overview: Hyderabad
- Reviewing and processing claims and determine accuracy of payment
- Making Claim payments based on the Policy & Procedure
- Maintaining productivity goals, quality standards and aging timeframes
- Scrutinizing Medical Claim Documents and settlements
- Following HIPPA guidelines
- Processing claims which route out of auto adjudication
- Hyderabad
Education
PGDBM -
TIMES Professional Learning
B.com -
Bhavans Vivekananda Degree Collage
01-2014
Intermediate -
Bhavans Sri Aurobindo Junior Collage
01-2011
SSC -
St Marks High School
01-2009
Skills
- Decision-making
- Teamwork
- Quick learner
- Problem solving
- Independent work
- Meeting deadlines
- Credit evaluations
- Underwriting expertise
- Risk assessments
Certifications Courses
- AML/KYC Certified by IIBF.
- Certified Credit Professional (CCP) by IIBF.
- Junior Associate of Indian Institute of Banking and Finance (JAIIB).
- Certified Associate of Indian Institute of Banking and Finance (CAIIB).
Personal Information
- Category: OBC
- Date of Birth: 04/20/94
- Nationality: India
- Marital Status: single
- Religion: Hindu
Timeline
Credit Manager
Kotak Mahindra Bank
10.2022 - Current
Senior Banking Officer
City Union Bank
06.2018 - 09.2022
Senior Associate
DST Worldwide Services
12.2014 - 05.2018
PGDBM -
TIMES Professional Learning
B.com -
Bhavans Vivekananda Degree Collage
Intermediate -
Bhavans Sri Aurobindo Junior Collage
SSC -
St Marks High School
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