Naresh Kumar
No:K, Block 2, Type 2 Railway Quarters, Kaively, Velachery, Chennai
Summary
A result oriented professional with over 6 years of experience in the Banking sector. Seeking a challenging and growth oriented position with a team that works dynamically towards the growth of the organiza on and provides me an opportunity to demonstrate my skills.
Overview
6
6
years of professional experience
Work History
Senior Process Associate
Tata Consultancy Services
03.2022 - Current
- Tracking syndicated loans, rollover, repayment, prepayment, paydown, combined loans, and rate fixing for the loans as per the instructions from the agent bank.
- Handling SWIFT payments for remitting amounts or drawdown amounts to the Agent Bank, as per the notice instructions from the Agent Bank.
- Creating a new facility, canceling the facility, linking and delinking the loans for the borrower.
- Processed risk-free rates (RFR) cases as per instructions from the agent bank, facilitating and maintenance of loans for customers.
- Reviewed and cleared various exception reports, including fees, interest, past-due, and paid loans, by determining the necessary monetary and systems maintenance required for resolution.
- Managing the email box for Loan Operations and distributing incoming wires, emails, and requests to the appropriate business areas.
- Monitoring daily transactional exception activity on syndicated and participated facilities, including the system posting of all funds received or disbursed.
- Handling collaterals and financial statements for financial information, such as cash flow statements, to monitor the ongoing financial health of borrowers.
- Processing new loans, drawdown as per the agent's request, and remitting funds to the agent bank in a timely manner.
- Investigate and provide a solution regarding the wire payments requested from the agent bank.
- Performed daily and monthly reconciliation of various suspense accounts.
- Provided subject matter expertise, opinion on syndication processing, and procedures to the team.
- Track and manage the performance of new hires (ramp-up targets, RPH, quality).
- Workflow management to prioritize and assign work to team members.
- Conduct process training for new hires and provide refresher training as needed for the entire team.
- Responded to inquiries within guidelines, and provided a high level of service in order to maintain a working relationship with internal and external customers.
Senior Process Executive
Cognizant Technology Solutions
09.2018 - 03.2022
- Worked as an agent (agency) in syndicated loans at one of the largest banks.
- Processing of rollovers (paydown, increase, interest, and principal payments).
- Interest Rate Calculation (Euribor, Term SOFR, FX Rate Fixing, and Interpolation Rate Calculation) as per Customer Payment Instructions.
- Reconciliation of amounts that are received from the borrower and participating banks in the deal.
- Nostro reconciliations of GBP, USD, DKK, SEK, NKK, PLN, etc.
- Booking of fees, interest payments, and applying payments in the system.
- Complete due diligence and credit analysis on existing and new clients.
- Provide information and support regarding account balance, outstanding items, and reconciliation of different accounts according to loan history.
- Processed changes/requests on consumer loan portfolios, including modifications and maturity notices.
Education
Bachelor's of Commerce - General
J.H.A. Agarsen College/ Madras University
01.2018
Higher Secondary School - Commerce
St. Gabriel's Hr. Sec. School
01.2015
Skills
- Loan IQ & ACBS
- Syndicated / Bilateral loan
- Reconciliation
- Workflow management
- MS Office (Excel, Word, PowerPoint)
Accomplishments
- Spotlight Award in the year 2023 for working on weekends and extending shift hours to complete the accumulated volume and managing.
- Awarded as Consistent best checker for several months in the process.
- Service excellent award in the year 2022 for the best performance.
- Ace of rookies award in 2019 for the best new joiner.
- Appreciated by clients for clearing the Suspense account backlogs.
Disclaimer
I hereby declare that all the above mentioned information is true and binding to the best of my knowledge, hence given an opportunity I would measure up to your expectation and force a bright career in your organization.
Languages
- English (Read, Write, Speak)
- Tamil (Read, Write, Speak)
Personal Information
- Date of Birth: 17/05/1998
- Gender: Male
- Nationality: Indian
- Marital Status: Single
Timeline
Senior Process Associate
Tata Consultancy Services
03.2022 - Current
Senior Process Executive
Cognizant Technology Solutions
09.2018 - 03.2022
Bachelor's of Commerce - General
J.H.A. Agarsen College/ Madras University
Higher Secondary School - Commerce
St. Gabriel's Hr. Sec. School
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