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
Lending regulations
Verbal and written communication
Data analysis
Credit decisions
Commercial and consumer clients
Credit risk
High risk account reviews
Teamwork and Collaboration
Planning and Coordination
Organization and Time Management
Timeline
Credit Analyst
SBI
06.2013 - Current
Bachelor Of Engineering - Electrical, Electronics And Communications Engineering
Vidya Vardhaka College of Engineering