Srinath N
Credit Officer
Summary
Results-driven banking professional with over 11 years of experience in the banking industry, seeking a challenging position as a Credit Analyst. Adept at conducting comprehensive credit assessments and risk analyses to support informed lending decisions. Strong background in commercial and retail banking, with a proven track record of ensuring regulatory compliance and delivering exceptional customer service.
Overview
11
11
years of professional experience
2
2
Certifications
Work History
Manager
Bank Of Maharashtra
10.2022 - Current
- Loan Processing officer at Centralized Processing Cell - Commercial/MSME/Corporate
- Conducted detailed credit appraisals for individuals and businesses applying for loans, ensuring compliance with company policies and regulatory requirements.
- Analyzed financial statements, credit reports, and supporting documents to assess creditworthiness and evaluate the feasibility of loan applications.
- Collaborated closely with loan officers, underwriters, and other stakeholders to gather necessary information and ensure accurate credit evaluations.
- Evaluated collateral and reviewed repayment capacity, cash flows, and industry trends to determine appropriate loan structures and terms.
- Prepared comprehensive credit appraisal reports, highlighting key findings, risk factors, and recommendations for approval or rejection.
- Maintained up-to-date knowledge of industry regulations, lending policies, and best practices to ensure compliance and mitigate credit risks.
- Conducted credit out reach programs.
- Rectified irregularities pointed out in credit audit/legal audit/internal audit.
- Communicated credit decisions and provided feedback to loan officers, supporting them in identifying and resolving credit-related issues.
- Monitored the performance of existing loans, identifying potential delinquencies or defaults and taking proactive measures to mitigate risks.
Assistant Manager
The Karur Vysya Bank Ltd
04.2016 - 09.2022
- Conducted credit assessments for a diverse portfolio of commercial and retail banking clients, evaluating creditworthiness and assessing repayment capacity.
- Performed financial analysis, cash flow modeling, and risk assessment to determine appropriate credit limits and terms for clients.
- Collaborated with relationship managers and customers to gather necessary information and resolve any discrepancies in credit applications.
- Prepared credit appraisal reports, presenting key findings and recommendations to senior management and credit committees.
- Ensured compliance with regulatory requirements, internal policies, and lending guidelines throughout the credit appraisal process.
- Provided timely and accurate responses to customer inquiries and addressed any concerns related to credit evaluations.
- Conducted periodic credit reviews to assess the ongoing creditworthiness of borrowers and recommended appropriate risk mitigation measures.
- Collaborated with cross-functional teams to streamline credit appraisal processes and enhance operational efficiency.
Clerk
The Karur Vysya Bank Ltd
09.2013 - 03.2016
- Analyzing the financial and business risk profile of borrowers and preparing conclusive and focused credit proposals.
- Handling general day to day retail banking operations such as loan processing, funds transfer, account opening.
- Developed and maintained strong relationship with customers and helped them to meet their financial needs and goals.
Education
Bachelor of Commerce - Finance
N.S.S College , Ottapalam
04.2001 -
Skills
Financial analysis and interpretation
Loan structuring and documentation
Regulatory compliance
Relationship management
Strong knowledge of commercial and retail banking products and services
Effective communication and presentation skills
Analytical thinking and problem-solving
Proficiency in relevant banking software and tools
Certification
• CAIIB- Certified Associate of Indian Institute of Bankers
Timeline
Manager
Bank Of Maharashtra
10.2022 - Current
Assistant Manager
The Karur Vysya Bank Ltd
04.2016 - 09.2022
Clerk
The Karur Vysya Bank Ltd
09.2013 - 03.2016
Bachelor of Commerce - Finance
N.S.S College , Ottapalam
04.2001 -
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