Sakthivelmurugan Balasubramanian
Tiruchirapalli
Summary
Dynamic credit manager with extensive experience at Punjab National Bank, excelling in credit risk assessment and financial statement analysis. Proven track record in optimizing loan processes and maintaining asset quality, achieving less than 15% audit irregularities and loan defaults. Strong analytical skills combined with effective communication fostered successful collaborations with relationship managers.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Manager - Credit
Punjab National Bank
01.2024 - Current
Performed credit risk assessments and prepared detailed credit appraisals.
Analyzed various financial statements and reports to assess the credit worthiness and repayment capacitynof the borrower to take the informed decision.
Conducted stress tests to assess project feasibility.
Ensured timely renewal and review of existing portfolio within TAT.
Assisted relationship manager in meeting pre-disbursement conditions for swift release of approved limits.
Achieved asset quality by limiting audit irregularities to under 20% in pre-sanction assessments.
Assistant Branch Manager
Karur Vysya Bank
04.2016 - 06.2021
- Optimized operational processes to boost service efficiency.
- Conducted post sanction monitoring and End use verification
- Maintained less TAT in all existing renewals at branch level.
- Assisted branch manager in loan collections and closing of audit files.
Education
Bachelor of Commerce - Finance And Commerce
Manonmaniam Sundaranar University
TirunelveliMBA - Finance
Anna University
ChennaiSkills
Financial statement analysis
Credit risk assessment
Financial modelling
Data analysis and industry research
Cash flow analysis
Certification
Certified Credit Professional from IIBF
CAIIB
Certificate in Digital banking
Additional Information
Intensive credit appraisal @ STC panchkula
Advanced credit management @SIBSTC Bangalore.
Accomplishments
Won first prize in Finquiz at PNB
Won Second prize in Managment documentary at inter college event
Hobbies
Listening songs
Badminton
Timeline
Manager - Credit
Punjab National Bank
01.2024 - Current
Assistant Branch Manager
Karur Vysya Bank
04.2016 - 06.2021
Bachelor of Commerce - Finance And Commerce
Manonmaniam Sundaranar University
MBA - Finance
Anna University
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