NAVANEETH K
Summary
- Accomplished credit management professional with a proven track record of strategically enhancing the corporate borrower portfolio.
- Skilled at appraising credit proposals & scrutinizing relevant documents before sanctioning/disbursing the credit, ensuring compliance with organizational credit policies.
- Proficient in credit administration functions for various Large and mid corporate Clients ensuring timely delivery of credit.
- Recognized for consistently adding high-quality assets while maintaining a prudent risk approach.
- Sector expertise in NBFCs, Infrastructure projects, government entities, HAM projects, Textile, Hospitals, MCE, export credit etc.
- Skilled at identifying, assessing, mitigating and monitoring credit risks associated with corporate borrowers, including industry-specific risks, market risks, and financial risks.
- Well versed in effectively communicating complex financial information and credit analysis findings to stakeholders, including senior management, credit committees, and clients.
- Experienced in working collaboratively with cross-functional teams to ensure comprehensive credit assessments and timely decision-making.
Overview
10
10
years of professional experience
1
1
Certification
Work History
SENIOR MANAGER
UNION BANK OF INDIA
Ernakulam
08.2016 - Current
- Provided leadership and expertise in the assessment of creditworthiness for large and medium-sized corporate clients, ensuring sound lending practices and risk mitigation.
- Credit Analysis: Conducted comprehensive financial analysis, evaluating balance sheets, income statements, and cash flow statements to determine the creditworthiness of corporate clients.
- Risk Management: Developed and implemented effective risk management strategies, resulting in a significant reduction in non-performing assets and improved overall portfolio quality.
- Industry Specialization: Specialized in NBFCs, Infrastructure projects, government entities, HAM projects, Textile, Hospitals, MCE, export credit etc. along with working capital lending, gaining in-depth knowledge and understanding of sector-specific risks and opportunities.
- Credit Approval: Successfully managed the credit approval process, presenting well-researched credit proposals to senior management and ensuring compliance with regulatory requirements.
- Client Relationship Management: Built and maintained strong relationships with corporate clients, providing ongoing support and addressing any credit-related inquiries or concerns.
- Technology Integration: Utilized advanced financial modeling and credit analysis tools to enhance the accuracy and efficiency of credit assessments.
MANAGER
UNION BANK OF INDIA
06.2019 - 07.2021
- Managed a diverse portfolio of retail, MSME, and corporate clients, ensuring timely review and renewal of credit facilities in accordance with bank policies and regulatory requirements.
- Conducted comprehensive credit assessments, including financial analysis, risk evaluation, and collateral assessment, to determine creditworthiness and mitigate credit risk exposure.
- Prepared credit proposals and presentations for credit committee review, providing clear and concise analysis of credit risks, mitigants, and recommended credit limits/terms.
- Maintained up-to-date knowledge of bank policies, lending guidelines, and regulatory requirements, ensuring compliance in all credit appraisal activities and documentation.
- Reviewed and monitored credit exposures, loan covenants, and borrower performance, proactively identifying early warning signals and recommending appropriate remedial actions as needed.
MANAGER
UNION BANK OF INDIA
08.2016 - 05.2019
- Managed a diverse portfolio of retail, MSME, and corporate clients, ensuring timely review and renewal of credit facilities in accordance with bank policies and regulatory requirements.
- Conducted comprehensive credit assessments, including financial analysis, risk evaluation, and collateral assessment, to determine creditworthiness and mitigate credit risk exposure.
- Prepared credit proposals and presentations for credit committee review, providing clear and concise analysis of credit risks, mitigants, and recommended credit limits/terms.
- Maintained up-to-date knowledge of bank policies, lending guidelines, and regulatory requirements, ensuring compliance in all credit appraisal activities and documentation.
- Reviewed and monitored credit exposures, loan covenants, and borrower performance, proactively identifying early warning signals and recommending appropriate remedial actions as needed.
SOFTWARE ENGINEER
TATA CONSULTANCY SERVICES
11.2015 - 07.2016
- Contributed to the development and enhancement of web applications for a major corporate client, utilizing React.js and modern front-end technologies.
- Implemented responsive design principles to ensure optimal functionality and aesthetics across various devices and screen sizes.
- Worked closely with the corporate client to understand requirements, gather feedback, and make iterative improvements to meet evolving business needs.
Education
Bachelor of Computer Science and Engineering -
College of Engineering
Chengannur01.2015
AISSCE -
Kendriya Vidyalaya
Payyanur01.2011
Skills
- Credit analysis
- Risk management
- Regulatory compliance
- Financial assessment
- Credit approval
Certification
- EXECUTIVE DEVELOPMENT PROGRAM IN FINANCIAL ANALYTICS, XLRI JAMSHEDPUR, 06/01/22
- CERTIFIED CREDIT PROFESSIONAL, IIBF, 07/01/23
- JAIIB, IIBF, 02/01/22
- CAIIB, IIBF, 07/01/22
Languages
- ENGLISH
- HINDI
- MALAYALAM
- TELUGU
Personal Information
- Date of Birth: 01/11/94
- Nationality: Indian
Timeline
MANAGER
UNION BANK OF INDIA
06.2019 - 07.2021
MANAGER
UNION BANK OF INDIA
08.2016 - 05.2019
SENIOR MANAGER
UNION BANK OF INDIA
08.2016 - Current
SOFTWARE ENGINEER
TATA CONSULTANCY SERVICES
11.2015 - 07.2016
Bachelor of Computer Science and Engineering -
College of Engineering
AISSCE -
Kendriya Vidyalaya
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