Prashanth A M
Bangalore
Summary
Results-driven Deputy Credit Manager with proven skills in financial analysis, credit risk assessment, and loan underwriting. Dedicated to enhancing client relationships and streamlining credit processes for optimal performance.
Overview
10
10
years of professional experience
Work History
Credit Manager
ICICI Housing finance
Bangalore
08.2023 - Current
- Reviewed loan applications for compliance with credit policies.
- Analyzed borrower creditworthiness and financial statements.
- Collaborated with underwriting team to assess risk factors.
- Prepared reports on loan performance and market trends.
- Assisted in developing credit policies and procedures.
- Trained junior staff on credit evaluation processes.
- Managed client inquiries regarding loan products and services.
- Maintained accurate records of loan transactions and decisions.
- Provided training sessions for staff members on topics related to credit operations such as loan documentation requirements, fraud prevention techniques.
- Participated in meetings with senior management team members discussing current market conditions affecting the organization's lending activities.
- Monitored account status to identify delinquent payments and take corrective action as needed.
- Evaluated requests for new loan applications or modifications to existing loans based on established criteria.
- Tracked changes in industry regulations pertaining to lending practices and updated internal policies accordingly.
- Assisted in the development of credit policies, procedures, and standards.
- Ensured accuracy of all documents associated with the loan process, including promissory notes, security agreements, collateral appraisals.
- Maintained accurate and up-to-date loan records for all customers.
- Analyzed customer data to develop risk ratings and recommend appropriate credit limits.
- Developed strategies for reducing bad debt exposure by identifying areas of risk and taking proactive steps to mitigate losses.
- Researched customer complaints and initiated dispute resolution processes when necessary.
- Performed detailed analysis of current portfolio performance against established metrics such as delinquencies, charge-offs, recoveries.
- Reviewed customer financial statements to assess creditworthiness.
- Investigated potential fraudulent activities within existing accounts.
- Evaluated business practices and loan procedures to assess risk and develop mitigation plans to protect business operations and assets.
- Submitted delinquent accounts to collections department or outside resources.
- PDD Documents Maintained accurate and up-to-date records of all PDD Sent in central Team with in TAT, weekly once PDD MIS sent senior .
- Monthly Once DSA Visit Discussed about Sourcing
- Vendor Bill Maintenance, Vendor Invoice Raised. every Month First week
Branch Credit Manager
IDFC FIRST BANK
BANGALORE
08.2021 - 08.2023
- Analyzed credit applications to assess customer eligibility for loans.
- Conducted training sessions for new employees on credit policies and procedures.
- Consulted with clients to understand their financial needs and provide solutions.
- Coordinated with underwriting teams to expedite loan processing times.
- Developed strategies to improve the branch's overall credit performance.
- Monitored daily cash flow activities including loan payments, deposits, withdrawals and transfers.
- Maintained up-to-date knowledge of relevant regulations including those pertaining to consumer lending.
- Resolved customer complaints in a timely manner while maintaining good relationships with clients.
- Coordinated with other departments to ensure proper due diligence was completed prior to granting credit approval.
- Recommendation of case to supervisors for seeking necessary decision bases on deviation and approval matrix
- Maintaining and reporting of various MIS (Daily tracker, Monthly tracker, Review MIS)
- Any other policy Changes/New policy update to Sales team.
- Vendors Bill Management ( for Karnataka cluster branches)
Credit Officer
HDB Financial service Ltd
Bangalore
12.2018 - 03.2021
- Evaluated credit applications to assess borrower eligibility and risk.
- Login MCP Checking and Login process
- Doing PD in SL cases With BCM
- Case recommending SL and USL Cases
- Disburse the cases .
- Reviewed financial documents to ensure accuracy and compliance with policies.
- Monitored accounts for potential risks and identified necessary actions.
- Prepared detailed reports summarizing customer profiles, risk assessments, and recommendations for approval and denial of new lines of credit.
- Examined collateral to establish market value and assessed repayment capacity using secondary revenue sources before loan approval.
- Double-checked account and application information provided by clients to assist in making accurate credit decisions.
- Implemented new initiatives, which resulted in quicker payments and better turnaround times to resolve customer issues.
CPA
.Tata Capital Housing Finance
Bangalore
03.2017 - 11.2018
- Analyzing the CIBIL report of the customer.
- Checking the eligibility of the customer.
- Analyzing the financial & Banking from the Bank Statement.
- Entering the cases in LOS (Loan Organization system).
- Preparing CAM Sheet.
- Documentation the file in the disbursement pattern.
- Sending Daily MIS to reporting Manger.
- Initiate the ITR, Latest bank statement, Office & Residence to Verification.
CPA
Kotak Mahindra
bangalore
12.2015 - 02.2017
- Login File Checking
- Checking the Loan eligibility of the case.
- Preparing CAM Sheet.
- SENP and Salaried Case Proposal to Credit Manager.
- CA PD Initiate the LIP Cases
- PD Initiate the Salaried Cases
- Entering the cases in LOS (Loan Organization system).
- Documentation the file in the disbursement pattern.
- Disburse the cases at every month end.
- Legal , technical & FI initiate
Education
CMA , Certified Management Accountant ( Perusing ) -
Miles Education
Bangalore10-2025
Master Of Financial Management -
Davangere University
Davangere05-2014
B Com -
Govt First Grade Collage
Birur05-2012
Skills
- Financial analysis
- Credit risk assessment
- Loan underwriting
- Client relationship management
- Data reporting
- Procedure training
- Portfolio management
- Cash flow forecasting
- Records management
- Risk analysis
- Loan reviews
- Loan policy limits
Languages
English
Intermediate (B1)
B1
kannada
Upper Intermediate (B2)
B2
Hindi
Upper Intermediate (B2)
B2
telgu
Beginner
A1
Timeline
Credit Manager
ICICI Housing finance
08.2023 - Current
Branch Credit Manager
IDFC FIRST BANK
08.2021 - 08.2023
Credit Officer
HDB Financial service Ltd
12.2018 - 03.2021
CPA
.Tata Capital Housing Finance
03.2017 - 11.2018
CPA
Kotak Mahindra
12.2015 - 02.2017
CMA , Certified Management Accountant ( Perusing ) -
Miles Education
Master Of Financial Management -
Davangere University
B Com -
Govt First Grade Collage