Sakthivelmurugan Balasubramanian

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.

• 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.