PREMKUMAR Y
Tiruvallur
Summary
Proficient Credit Underwriter/Loan Evaluation Specialist with 15+ years of Underwriting ₹5000Crore+ portfolio across Retail and Wholesale (MSME & Mid-Corporate) segments. Expertise in Credit Appraisal/Underwriting, Credit Administration/Operations, Financial Statement Analysis, Evaluating Borrower creditworthiness, Risk Assessment/Mitigation, Portfolio Management, Regulatory & Internal Compliance, Structuring Credit proposals, Monitoring & maintaining Asset quality, Managing collections & recovery and Driving business growth through prudent lending decisions. JAIIB & NIBM Certified.
Overview
20
20
years of professional experience
1
1
Certification
Work History
AGM-Credit
Shinhan Bank
Sriperumbudur
01.2023 - 01.2026
- Led Credit Underwriting & Risk Management of ₹2000crore portfolio across Retail & Wholesale (MSME & Mid-Corporate) segments
- Risk Management & Compliance across Retail & Corporate portfolios
- Credit Administration / Operations Management
- Stressed Accounts Management
- Policy/Process Improvement & Team Management
- Expertise in Secured & Unsecured Lending
- Proficient in Working Capital & Term Loan Assessments, Home Loans, Mortgage Loans, Business Loans, CAM reports, Financial Analysis, etc
Chief Manager-Credit
Union Bank of India
Trichy
02.2013 - 12.2023
- Managed Credit Underwriting & Risk Management of ₹5000Crore+ portfolio across Agri, Retail & Wholesale (MSME & Mid-Corporate) segments for region of Trichy
- Convenor of Committee Approvals
- Regulatory & Internal Audit Compliance across the region's portfolio
- Credit Administration & Monitoring
- NPA & Recovery management
- Policy & Process Improvement
- Strategy & Team Management / Mentorship
- Driving overall business growth of the region
Senior Process Associate
TCS eServe International Limited
04.2010 - 02.2013
- General Accounting
- Accounts Receivables & Payables management
- General Ledger & Bank Reconciliation
Asst. Manager - Retail Asset Operations
HDFC Bank
02.2007 - 05.2009
- Business Banking & Retail Asset Operations
- Loan Disbursements, Loan Booking & Repayment Management
- Internal Audit
Financial Analyst
Front Office Consultants Pvt Ltd
07.2006 - 02.2007
- MSME & Corporate Credit Assessment
- Preparation of Sanction Note in accordance with the policy compliance
Asst. Processing Officer
Computer Age Management Services Pvt Ltd
08.2005 - 07.2006
- Backoffice operations for Mutual Funds
- Brokerage Payments processing
Education
Master of Business Administration -
University of Madras
Chennai2005
B.Com -
Loyola College
Chennai2001
Skills
- Credit Assessment & Underwriting-Wholesale (MSME/Mid-Corporate) & Retail
- Credit Administration / Operations Management
- Portfolio & Risk Management
- Stressed Accounts / Delinquency Management
- Regulatory Compliance
Languages
English
Proficient
C2
Tamil
Proficient
C2
Telugu
Elementary
A2
Certification
- JAIIB, IIBF
- Certificate in Credit Management, NIBM-Pune
- Certificate in Credit Management, Manipal Global-Bangalore
Timeline
AGM-Credit
Shinhan Bank
01.2023 - 01.2026
Chief Manager-Credit
Union Bank of India
02.2013 - 12.2023
Senior Process Associate
TCS eServe International Limited
04.2010 - 02.2013
Asst. Manager - Retail Asset Operations
HDFC Bank
02.2007 - 05.2009
Financial Analyst
Front Office Consultants Pvt Ltd
07.2006 - 02.2007
Asst. Processing Officer
Computer Age Management Services Pvt Ltd
08.2005 - 07.2006
Master of Business Administration -
University of Madras
B.Com -
Loyola College