R NARASIMMAN
Chennai
Summary
Results-driven professional specializing in credit analysis and portfolio monitoring. Demonstrated expertise in risk assessment and underwriting, enhancing compliance measures. Skilled in compliance to policies that improve lending strategies, promoting effective portfolio management and prompt decision-making.
Overview
12
12
years of professional experience
Work History
Area Credit Head
ICICI Bank
Chennai
12.2022 - Current
- Evaluated loan applications through comprehensive credit assessments and risk evaluations within established turnaround times.
- Onboarded new clients in compliance with internal policy standards.
- Monitored portfolio health via early warning sisgnals, zonal health councils, banking conduct and regular financial reviews.
- Analyzed market trends to guide lending decisions and strategic adjustments.
- Conducted follow-ups on special mention accounts. Ensure compliance with sanction covenants for portfolio.
- Managing a team of three individuals to drive performance and efficiency.
- Joined as Senior Credit Manager from December 2022 to February 2024.
Deputy Manager, IBG4- Credit
DBS India Ltd
Chennai
10.2020 - 11.2022
- Underwriting business credit proposals for Chennai region, Fresh, Additional, Enhancement and renewal.
- Due diligence of credit proposal like KYC verification, CIBIL, CRIF, Prob 42, CRILC, GST, UDIN, MCA, UDYAM, External rating etc.
- Financial analysis, ratio analysis, profitability etc.
- Internal rating for the borrower, collateral evaluation, legal opinion, risk calculation etc.
- Stipulating condition and preparation of Sanction order.
- Maintaining TAT and follow up with Branch and RM for early disposal of proposal.
- Monitoring portfolio account like EWS and its review and action.
- SMA follow up with PRM for maintaining healthy portfolio.
- Ensuring compliance of Sanction condition. Follow up for early compliance of condition.
- Erstwhile Lakshmi Vilas Bank
Credit Analyst
DBS India Ltd
Coimbatore
03.2017 - 10.2020
- Fresh credit proposal, processing and forwarding with recommendation to sanctioning authorities for Sanction.(From Personal loan to Corporate loans all loan product)
- Post Sanction disbursement process like MODT registration, documentation, CERSAI, Rating etc.
- Deepening relationship with existing customer for further Asset, Liability, MF and TPP cross sale.
- Post disbursement monitoring of the loans.
- Periodic visit to borrower unit for monitoring.
- Processing proposal for yearly renewal of proposal.
- Certified Aadhaar enrollment supervisor- UIDAI.
- Handling Foreign exchange transaction for entire Coimbatore branches.
Credit Appraiser, Senior Associate
City Union Bank
01.2014 - 01.2017
- Handling Coimbatore and Kerala branches credit proposals, processing the papers into a credit note which include CIBIL check, assessment, ratio analysis, security analysis and other aspects and forwarding to concern departments for sanction.
- Business cash credit, business term loan, mortgage loan, clean loan, housing loan and vehicle loan.
- Making follow up to NPA accounts in Coimbatore and Kerala region branches.
- Taking care of MIS parameters of the Coimbatore and Kerala region to boost the papers to get disbursed.
- Trained Coimbatore and Kerala branch staff about the basics on new software for credit- LAPS.
Education
Certificate Course - Commercial Credit Certifateic
Moody's Analytics
Online01-2024
Diploma in Banking And Insurance -
GRD College of Sciencee
Coimbatore01-2016
MBA -
Jansons School of Business
Coimbatore01.2014
B. Com -
GRD College of Science
Coimbatore01.2012
Advance Diploma in Banking and Insurance -
GRD College of Science
Coimbatore01.2012
Skills
- Credit analysis
- Due diligence
- Portfolio monitoring
- Financial assessment
- Underwriting principles
- Customer relationship management
- Risk assessments and rating
- Policy implementation
Banking Certificate
- Completed JAIIB by IIBF.
- One day CIBIL training/workshop conducted by CIBIL authorities.
Languages
- Tamil (Read, Write and Speak)
- Telugu (Speak)
- English (Read, Write and Speak)
Personal Information
Date of Birth: 12/14/91
Timeline
Area Credit Head
ICICI Bank
12.2022 - Current
Deputy Manager, IBG4- Credit
DBS India Ltd
10.2020 - 11.2022
Credit Analyst
DBS India Ltd
03.2017 - 10.2020
Credit Appraiser, Senior Associate
City Union Bank
01.2014 - 01.2017
Certificate Course - Commercial Credit Certifateic
Moody's Analytics
Diploma in Banking And Insurance -
GRD College of Sciencee
MBA -
Jansons School of Business
B. Com -
GRD College of Science
Advance Diploma in Banking and Insurance -
GRD College of Science