Reshma N

State Bank Of India, SBI

2015.06 - Current

Built a high-performing credit management team with a strong focus on collaboration, accountability, and continuous development.
Leveraged advanced analytics tools in assessing borrower applications which resulted in better-informed lending decisions.
Developed strong relationships with clients through professional communication and timely resolution of credit issues.
Collaborated with cross-functional teams to develop customized payment solutions that met business needs while minimizing risk exposure.
Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
Reviewed and updated credit policies regularly in response to changing market conditions, industry trends, and emerging risks.
Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
Ensured timely resolution of disputed accounts, working closely with internal and external stakeholders to maintain positive customer relationships.
Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
Expertise in all sort of retail loans end to end including post sanctioning and disbursement.

Summary