Sakthivelmurugan B

Handled the portfolio pf 45+ high value corporate credit accounts and condcuted comprehensive credit appraisal which involves indepth financial statement analysis, credit risk assessment and provided suitable risk mitigating strategies in the proposal.

Prepared various credit proposals including ad hoc facilities, Restructuring, amendment in terms and conditions, approval of dividend and other administrative proposals to the higher authority.

Conducted pre-sanction due diligence including KYC verification, CIBIL, CERSAI, CRILC, ROC search to verify the financilas filed with MCA and other RBI websites to confirm that the borrower's name is not appearing in any defaulters list.

Maintained less TAT in all the fresh and renewal/review of existing accounts and ensured less than 15% audit irregularities in pre sanction appraisal pointed out in various credit audits.

Conduct detailed industry analysis and various feasibility study to assess the overall commercial viability of the project and analyzed the sensitivity of through Stress testing in project specific lending.

Condcuted pre sanction inspection to the borrower unit and collection of various documents , reportsand involved in borrower discussion including compliance of pre disbursement terms and conditions for swift release of funds.

Increased portfolio profitability by 20 % and achieved the 90% marks for maintaining asset quality by limiting less audit irregularities pertaining to pre sanctionbym appraisal.

Assisted relationship manager in complainace of pre disbursement terms and conditions and post sanction moonitoring of problematic loans and timely closure of audit files.Mentored junior credit officers in doing in credit risk assessment and compliance of Bank policies.

Obtained and analyzed legal search report and valuation report from empanelled engineers and ensured security perfection.

Analyzed various financial statemet and reports and Prepared various credit appraisal formats with recommendation for sanction.

Performed various credit administration duties including documentation and pre disbursement compliance.

Post sanction monitoring and End use verification through unit visit and complying various audit irregularities both pre and post sanction for timely closure of audit files.

Obtained 90% marks in maintaining less TAT in both fresh sanction and renewal/review of existing portfolio.

Prepared various quarterly reports and statements icluding quarterly monitoring system and excgange of information for onward submission to administrative offices for compliance.