Summary
Work History
Education
Skills
Accomplishments
Achievements
Research Project
AccountManager

S PRANAVI

Credit Manager
Hyderabad,Telangana

Summary

Diligent Credit Manager (BA4) with solid understanding of credit risk management, reviewing financial documents, preparing the loan proposal templates, and quantitative analysis. Maintains awareness of latest developments and motivated to gain sound knowledge of credit management methodologies within organization.

Work History

Credit Manager/ BA4

Barclays Shared Services Private Limited
Chennai, Tamil Nadu
01.2017 - 04.2017
  • A member of Corporate banking team responsible for supporting nominated Relationship Directors (RDs) who are developing and maintaining relationships with a portfolio of Large/Mid Corporate customers.
  • To actively coordinate with the coverage team (RD/RSM) on routine basis to ensure timely completion of credit reports and other activities.
  • Provide high-quality financial analysis support to RDs, acting as an interface with other areas of Barclays Corporate and undertaking the monitoring of customers financials.
  • Analytical Specialist dealing with a range of financial information for a number of corporate clients which may span across various industries.
  • Responsible for reviewing and agreeing the Monitoring and Control elements of complex Facility Letter documentation.
  • Working in partnership with the Credit Writing and Post Sanction Case managers, Coverage team, servicing team and other specialists to ensure that we provide a joined up service to our customers at all times.
  • Use ZEUS to analyse historic and projected financial information and monitor compliance with covenants.
  • Populate Zeus with annual reports & supplementary credit information for target accounts.
  • Provide technical input and undertake research for Relationship Director in connection with proposed security.
  • Co-ordinate the transfer of accounts to the Debt Recovery Unit (DRU) and assist the RD/Business Support team and others with the recovery procedures for non-DRU accounts.
  • Instruct the PSF team to make all the limit/security/facility structure/other changes approved by sanction team.
  • Contribute to environment of mutual support by sharing knowledge with other team members, mentor new joiners and junior colleagues in the team.
  • Occasional customer interaction to discuss lending proposals in detail, making recommendations as appropriate.

Assistant Branch Manager

Federal Bank
Mangalore, Karnataka
05.2013 - 05.2016
  • Evaluation and recommendation of credit proposals, with a comprehensive risk assessment for new or increased facilities.
  • Credit underwriting by thoroughly assessing the credit risk in all proposals to facilitate a sound loan portfolio.
  • Coordinate and ensure that the post-approval implementation of facilities and legal documentation is in accordance with the conditions of sanction.
  • Assess customer financial documents and statements to calculate the risk appetite.
    Preparing analysis of financial data such as income growth, credit history and repayment capacity by using cash flow and financial statement analysis.
  • Played a leading role in streamlining retail loans in the zone.
  • Awarded as a best performer in the housing and car loans department.
  • Monitoring and evaluating active accounts to reduce or prevent losses.
  • Assisting branch manager in guiding branch office staff by providing quality service to customers, through products and services with the expectation of meeting branch and individual goals.
  • Oversaw the day-to-day branch and ATM operations.
  • Creating superior customer experience by communicating values through the products.
  • Directed daily operations, oversaw business development, managing branch P&L, and grew deposits and loans.
  • Conducted weekly reviews with zonal office to communicate performance and success in meeting the targets to keep on track for campaigns.
  • Developed a monthly and quarterly business plan, concentrating on retail business and individuals.
  • Ensured and maintained ethical banking practices.

Education

MBA - Finance

Christ University
Bangalore
05.2011 - 04.2013

Skills

    Risk mitigation

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Accomplishments

  • Supervised team of 9 staff members.
  • Collaborated with team of 30 in the development of wholesale lending of finance products.
  • Handled various portfolio's in credit risk analysis.
  • Repeatedly received recognition from superiors for excellence in service.
  • Learning the SAP FI-CO Module covering New GL, AP/AR, BA, AA, PC, CEA, CCA, IO, PC, COC, COPA and Year end calculations.
  • Certification in AML - KYC & Customer Service.
  • Certification course on Advanced Financial Statement analysis.
  • NCFM certification in Investment Analysis and Portfolio Management.
  • Certification in Basic French language course.

Achievements

  • Rewarded as a best team lead for the corporate social responsibility program at Barclays Shared Services.
  • Awarded as a best performer in the housing and car loans (Retail) department by Federal Bank Ltd.
  • Super Star Award by IDBI Federal for the best performance in the campaign by Federal Bank Ltd.
  • Secured prizes in post-graduation in seminars, quizzes, debates, cultural fests, street plays and cartoon sketches.
  • Gold Medalist in Graduation.
  • Secured First Prize in College Level Science Seminar held at Regional Science center.
  • Secured Second Prize in Elocution in Inter Collegiate Cultural Youth Festival held at Sri Venkateswara University.
  • Secured Sports champion award in post-graduation, graduation and at school level.

Research Project

SUMMER INTERNSHIP - Associate Analyst (2012)

Organization :HBJ Capital Pvt. Ltd., Bangalore.

Objective : To study the Infrastructure sector, growth performance indicators of the company Ashriya International.

ORGANISATION STUDY - Intern (2011)

Organization : Amara Raja Batteries Pvt. Ltd., Tirupati.

Role : Intern

Objective :To study about the organization structure of the company.

S PRANAVICredit Manager