Years of professional experience
RAMASUBRAMANIAN R
Credit Underwriting - Bank
Salem,TN
Summary
Highly-qualified Credit resource driven with financial acumen to minimize risk while capitalizing on opportunities to accomplish bank objectives in business, customer growth and bottom line profitability.
Overview
10
10
2
2
Language
Work History
Area Credit Manager
Axis Bank Ltd
Salem, Tamil Nadu
09.2018 - Current
- Proficient in all aspects of analysis and decision
- Accuracy - Work closely with Credit Managers, Business team to ensure customer credit applications, requests for increased lines of credit, special credit lines for separated job work, inquiries, and/or disputes relating to accounts receivable are promptly and accurately handled
- Appraise /underwrite the loan manage the entire credit application process, right from login to disbursement by Co-ordinate with legal, technical, FI and Risk Containment Unit agency for processing the file / docket
- Work cross-functionally with business team and other departments to maintain effective operations.
- Training of CPA & Underwriters along with business team
- Responsible for TAT of delivering sanction letter and disbursement
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Leverage relationships with internal/external customers to minimize the bad-debt exposure
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
Asst Manager - Credit Officer
City union Bank
Dindigul, Tamil
02.2017 - 09.2018
- Credit Officer for Advances who singled handled Rs.380 Crs portfolio @ Dindigul Branch.
- Leverage relationships with internal/external customers to minimize the bad-debt exposure.
- Negotiate loan terms with clients.
Asst Manager -Credit Officer
City Union Bank
Sivakasi, Tamil Nadu
02.2016 - 02.2017
- Effectively managed portfolio size of Rs.500 crs @ Sivakasi Branch
- Negotiate loan terms with clients.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Oversaw reporting, documentation and record keeping requirements for department.
Asst Manager -Credit Officer
City Union Bank
Madurai, Tamil Nadu
02.2014 - 02.2016
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
Asst. Manager
City Union Bank
Coimbatore, Tamil Nadu
07.2012 - 02.2014
- Looked after entire branch operations, Technology services, Cash and Jewel In charge, account openings— role of Asst Manager Operations in core banking
- Managed daily activities and operations of branch & regulated teller transactions and opened fresh accounts
- Administered quality and coordinated regular staff meetings
- Carried out Performance Evaluations and ensured completion of daily processes
- Credit analysis for the new borrower and arriving the eligibility norms as per our banks policy and also supported the head in drafting proposals and notes and in formulating action to improve credit evaluation
- Also effectively evaluated on credit to ensure profitability to the bank and minimize risk of NPA
Education
PGDIM - Business
EASB
Singapore 06.2011 - 08.2011
PGDM - International Business
ITM B School Chennai
Chennai 06.2010 - 03.2012
B.Com (Computer Application) - B.Com (Computer Application)
KSR College of Arts And Science
Tiruchengode Tamil Nadu 06.2007 - 03.2010
Higher Secondary Certificate (HSC) - HSC
SMBM Matric Hr Sec School
Dindigul 06.2005 - 03.2006
Secondary School - SSLC
J K Matric Hr Sec School
Dindigul Tamil Nadu 06.2003 - 03.2004
Skills
“I hereby declare that the above information's are true to best of my knowledge”Date
Attention to detail
Analytical skills results in Good Judgement
Negotiation and interpersonal skills
Financial acumen
And ethics during the credit evaluation process
Football & Athletics
District Level football player and played for local clubs. Also 200 Meters sprinter participated in various state level competition
Timeline
Area Credit Manager
Axis Bank Ltd
09.2018 - Current
Asst Manager - Credit Officer
City union Bank
02.2017 - 09.2018
Asst Manager -Credit Officer
City Union Bank
02.2016 - 02.2017
Asst Manager -Credit Officer
City Union Bank
02.2014 - 02.2016
Asst. Manager
City Union Bank
07.2012 - 02.2014
PGDIM - Business
EASB
06.2011 - 08.2011
PGDM - International Business
ITM B School Chennai
06.2010 - 03.2012
B.Com (Computer Application) - B.Com (Computer Application)
KSR College of Arts And Science
06.2007 - 03.2010
Higher Secondary Certificate (HSC) - HSC
SMBM Matric Hr Sec School
06.2005 - 03.2006
Secondary School - SSLC
J K Matric Hr Sec School
06.2003 - 03.2004