Preetham S B
Manager
Bangalore
Summary
At SBI, a seasoned Credit Analyst adept in financial statements expertise and fostering teamwork, I significantly enhanced portfolio quality and compliance. Leveraging data analysis and effective communication, I streamlined loan processes and bolstered client trust, achieving a notable improvement in risk assessment and regulatory adherence.
Overview
12
12
years of professional experience
Work History
Credit Analyst
SBI
06.2013 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Gathered loan documentation for underwriting.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Made decisions and recommendations about extending lines of credit.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
- Identified potential problem loans early on through ongoing monitoring activities, enabling prompt remedial actions when needed.
- Developed and maintained strong relationships with external financial institutions, streamlining loan syndication processes.
- Optimized credit policies to reflect changing market conditions and regulatory requirements, ensuring compliance and competitiveness.
- Bolstered client relations and trust by providing clear explanations of credit decisions and suggestions for improvement.
- Created credit policies, processes and procedures to maintain compliance with banking regulations.
- Maintained compliance with applicable regulations and laws governing consumer credit.
Education
Bachelor Of Engineering - Electrical, Electronics And Communications Engineering
Vidya Vardhaka College of Engineering
Mysuru 06.2013
Skills
Financial statements expertise
Timeline
Credit Analyst
SBI
06.2013 - Current
Bachelor Of Engineering - Electrical, Electronics And Communications Engineering
Vidya Vardhaka College of Engineering
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