REEGAN W
Credit Manager
Chennai
Summary
Delivered over a decade of experience in the banking sector, with a specialized focus on credit risk and underwriting for Corporate and SME segments. Consistently ensured sound credit decisions, mitigated risks, and contributed to the financial stability and growth of various enterprises. Adept at analyzing financial statements, assessing creditworthiness, and developing strategies to manage credit portfolios effectively. Proven track record of enhancing risk management frameworks and maintaining compliance with regulatory standards.
Overview
10
10
years of professional experience
3
3
Certifications
Work History
Credit Manager
Bank Of Baroda
08.2018 - Current
- Recommended Credit Proposal for Sanction/Rejection.
- Prepared high value credit proposals through underwriting processes such as balance sheet analysis, risk assessment, mitigation strategies, application of rating models, and KYC due diligence.
- Inspected business units & collateral security, Monitored disbursement compliances, execution of documents and perfection of securities, accounts based on Early Warning Signals (EWS) & controlling delinquency movement.
- Initiating Recovery measures such as SARFAESI action if account become NPA.
- Credit in-charge responsible for entire advance portfolio of the Branch and its Growth, Relationship, Audit, Compliance, Recovery & etc.
- Supervised credit proposals prepared by Branches in various policy, compliance aspects and recommended to sanctioning authority for Sanction/Rejection.
Manager
Bank Of Baroda (erstwhile Dena Bank)
05.2017 - 08.2018
- Headed Branch with Business Mix of Rs.120.0 Crore
- Performed as Branch Head (Undri Branch, Pune - Dena Bank) handled 8+ member's team
- Sanctioned Working Capital limit and Plant and Machinery loans to SME's under my lending Power.
Assistant Manager
Bank Of Baroda (erstwhile Dena Bank)
05.2014 - 05.2017
- Experienced in AML-KYC division as a Financial Crime reporting officer to FIUS, Suspicious Transaction Report to RBI
Education
Loyola Institute of Business Administration (LIBA) - Finance
Post Graduate Diploma in Management
10.2024
Mailam Engineering College -
Computer Science & Engineering
04.2011
Skills
Decision Making
Credit Analysis
Financial Statement Analysis
Risk Assessment
Certification
Moody's Analytics Certificate in Commercial Credit
Languages
English
Tamil
Hindi
Software
FINACLE
CRISIL ICON
AMLOCK
Timeline
Credit Manager
Bank Of Baroda
08.2018 - Current
Manager
Bank Of Baroda (erstwhile Dena Bank)
05.2017 - 08.2018
Junior Associate of the Indian Institute of the Bankers (JAIIB)
12-2014
Assistant Manager
Bank Of Baroda (erstwhile Dena Bank)
05.2014 - 05.2017
Loyola Institute of Business Administration (LIBA) - Finance
Post Graduate Diploma in Management
Mailam Engineering College -
Computer Science & Engineering
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