Ramana Reddy Veduru
Hyderabad,TG
Summary
Dynamic Senior Credit Manager with extensive underwriting expertise at ICICI Bank, adept at enhancing credit risk management and developing effective credit policies. Proven track record in mentoring teams and improving customer engagement, while ensuring regulatory compliance. Skilled in loan structuring and relationship management, driving business growth through strategic collaboration.
Overview
5
5
years of professional experience
Work History
Senior Credit Manager
ICICI Bank
11.2024 - Current
- Underwriting of High value proposals of Home loan and Non Home Loans across self employed and Salaried profiles.
- Verification of Legal and Technical Reports of the property.
- Approved Proposals with in the assigned credit limits
- Analyzed credit data to assess risk and improve lending decisions.
- Collaborated with sales teams to evaluate customer creditworthiness effectively.
- Mentored junior team members in effective credit analysis techniques to enhance overall team performance.
- Visited builder and Channel partners to increase the business
- Conducted regular trainings to business team about the recent changes in policies and credit appraisal methodology.
- Undergone training of Property Valuation conducted by the Mortgage Valuation Group, individually given property valuations by visiting the Properties to the Technical Team as part of training.
Credit Manager
ICICI Bank
09.2020 - 10.2024
- Reviewed loan applications, ensuring accuracy and adherence to company guidelines.
- Obtained and reviewed credit reports, credit references and financial statements to establish credit limits for new accounts and Existing customers.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
Education
Chartered Accountant -
Institute Chartered Accountants of India
Chennai01-2020
B.Com , Computers - Commerce
Yogivemana University
Kadapa, India05-2017
Skills
- Loan structuring
- Underwriting expertise
- Relationship management
- Credit policy development
- Portfolio management
- Collateral evaluation
- Customer engagement
- Regulatory compliance
- Credit risk management
- Willing to learn
- Teamwork and collaboration
Timeline
Senior Credit Manager
ICICI Bank
11.2024 - Current
Credit Manager
ICICI Bank
09.2020 - 10.2024
Chartered Accountant -
Institute Chartered Accountants of India
B.Com , Computers - Commerce
Yogivemana University
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