NISHA CHANDRAN
Credit Officer
Bangalore
Summary
Experienced and result-driven Banking Professional looking to leverage my proven skills in financial analysis, credit risk assessment and customer relationship management in a challenging Credit role. Passionate about supporting the financial objectives of the institution via efficient MSME loan processing, credit underwriting and maintaining strict regulatory compliance.
12 Years of experience in the banking sector with proficiency in financial analysis, loan appraisal, recommendation for sanction and documentation. Managed a diverse portfolio of customers, delivering financial solutions and achieving high customer satisfaction.Proven ability to cross-sell banking digital products and successfully implement loan originating software for both retail and MSME loan processing.
Overview
15
15
years of professional experience
3
3
Certifications
4
4
Languages
Work History
Deputy Manager- Credit
State Bank of India, SBI
Bangalore, IN
04.2025 - Current
- Monitoring day-to-day operations to meet performance, quality and service expectations.
- Maintenance of 150 accounts with portfolio size of INR 200 Cr.
- Credit analysis ,underwriting, complete handling of life cycle of MSME loans using LLMS(loan lifecycle Management System) .
- Risk Management & Adherence to Compliance as per norms to reduce potential risk .
Assistant Manager- Credit Officer
State Bank of India
Bangalore, IN
04.2020 - 04.2025
- Credit Investigation and analyzing diverse credit information of companies.
- MSME loan processing including appraising, analyzing credit risk, risk assessment to identify opportunities and mitigate potential risks and Credit underwriting.
- Handling of all post sanction formalities including documentation, disbursement and maintenance of accounts.
- Resolved customer inquiries and complaints promptly by coordinating with various departments to ensure high level of customer service.
- Managing loan portfolio with size of 100 plus accounts.
- Maintained up-to date knowledge of banking products, services and regulatory requirements.
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Improved customer satisfaction by addressing and resolving complaints promptly.
- Developed strong working relationships with staff, fostering a positive work environment.
- Mentored junior staff members in their professional development by offering guidance/support in their assigned roles.
- Improved customer satisfaction by resolving complaints and inquiries promptly.
Associate- General Banking
State Bank of India
Bangalore, IN
06.2013 - 04.2020
- Cross selling banking digital products and good knowledge of loan originating software required for retail loan processing.
- Successfully handled a diverse range of core banking operations, including customer relationship management, account opening, cash management, and loan processing.
Analyst
Deutsche Bank
11.2010 - 02.2013
- Designing and executing effective 4 eye quality checks.
- Maintaining the tracker for all the transaction processed.
- Processing New Hires, Updates, Corrections and Bulk Requests.
- Coordinate with India payroll team for monthly compilation on employee payroll inputs.
- Identifying process improvement opportunities and process controls in work place.
- HR Database Clean up on regular basis as per the inputs received from HR Business Partners.
- Managing Quality check for team to ensure 100% accuracy.
- Attending daily/weekly calls a part of best practice sharing, driving improvements based on all quality specific failures.
- Meeting the accuracy and standards expected by the clients.
Education
Bachelor of Engineering - Computer Science
M V Jayaram College of Engineering
BangaloreSkills
- Problem-Solving
- Loan Lifecycle Management
- MS Office
- Financial Analysis
- Performance improvements
- MSME loan appraisal & assessment
- Risk Management
- Compliance
- Customer relationship management
Certification
Junior Associate of Indian Bankers Certificate (JAIIB)
Accomplishments
- Streamlined the HR operations at Deutsche Bank by coordinating with payroll team for monthly compilation on employee payroll inputs, aiming for and achieving 100% process accuracy.
- Flawlessly managed MSME loan proposals of ticket size over Rs 200.00 Cr
- Spot awards for Best Performance.
- Achiever award for performing in cross selling banking products to clients.
Timeline
Deputy Manager- Credit
State Bank of India, SBI
04.2025 - Current
Assistant Manager- Credit Officer
State Bank of India
04.2020 - 04.2025
Associate- General Banking
State Bank of India
06.2013 - 04.2020
Analyst
Deutsche Bank
11.2010 - 02.2013
Bachelor of Engineering - Computer Science
M V Jayaram College of Engineering
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