Rajesh Obulasetty
Hyderabad
Summary
Qualified chartered accountant with Banking experience of 6+ years in Credit Underwriting for Both secured and unsecured as well High value and affordable segment with good sound knowlege in financials and industry practice.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Credit Analyst
Standard Chartered Bank
Hyderabad
05.2023 - Current
- Evaluated secured and unsecured loan proposals for underwriting purposes.
- Analyzed clients' financial statements, market conditions, and industry trends to evaluate risk.
- Conducted detailed financial analysis on clients to assess creditworthiness and recommend credit limits.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Presented key information to upper management and executive team for loan recommendations.
- Developed relationships with external and internal partners such as Legal, Technical, sales and operations team in order to facilitate smooth processing of loan applications.
Senior Credit Manager
Yes Bank
Hyderabad
10.2021 - 05.2023
- Assessed and reviewed secured loan proposals to support the underwriting process.
- Managed processing of loan applications from self-employed and salaried individuals, overseeing amounts up to Rs.20 Crores.
- Possessed authorization for amounts up to Rs.1 Crore in AP,Telangana, and Karnataka.
- Demonstrates expertise in both the legal and technical components associated with collateral.
Credit Manager
IDFC First Bank
Vijayawada And Hyderabad
08.2018 - 10.2021
- Excelled in underwriting by effectively analyzing and assessing the value of affordable secured products worth up to Rs.50 Lakhs.
- Authorized up to Rs.40 Lakhs for ap and Telangana, demonstrating capacity for decision-making.
- Interacted and managed relationships with various external vendors including technical, legal, FI agency, and PD vendor.
- Effective monitoring of PDD and DD, including vendor and sales follow-up.
Education
Chartered Accountant - Accounting And Finance
ICAI
Vijayawada, AP11-2017
Skills
- Underwriting
- Banking regulations
- Portfolio Management
- Quantitative Analysis
- Financial Forecasting
- Oral and written communications
- Data Compilation
- Judgmental lending
Certification
- Completed CRISIL Level-1 at IDFC First Bank
Languages
Telugu
First Language
English
Proficient (C2)
C2
Timeline
Credit Analyst
Standard Chartered Bank
05.2023 - Current
Senior Credit Manager
Yes Bank
10.2021 - 05.2023
Credit Manager
IDFC First Bank
08.2018 - 10.2021
Chartered Accountant - Accounting And Finance
ICAI
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