Satheesh Kumar P
Karur
Summary
Professional with extensive experience in credit management, skilled in assessing creditworthiness, mitigating risks, and optimizing financial performance. Strong focus on team collaboration and achieving results, known for reliability and adaptability to changing needs. Expertise includes credit analysis, loan processing, and compliance with regulatory standards. Recognized for analytical thinking, effective communication, and leadership abilities. Motivated high school student with a track record of academic excellence looking for part-time work. Intends to develop professional work experience utilizing excellent communication and time management skills.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Branch Credit Manager - KCC Rural Credit
IDFC First Bank Ltd
Trichy & Madurai
02.2023 - Current
- Handled Kisan Credit Card product with CC, OD, DLOD & TL facility.
- Portfolio monitoring of Trichy and Madurai Cluster.
- Underwriting – Bureau checks CIBIL, Highmark and Posidex, Financial Analysis, TAT, PDD follow-up, Portfolio Quality, CERSAI check on Property collateral, UDIN Verifications, CAM Preparation.
- Audit Compliance, Due Diligence & Adhering deviation, and sanction authority policy matrix.
- Monitoring of Nonstarter and Early delinquent.
- Made Cross verification visits post disbursement to ensure the end use and awareness of repayment.
- Patta & EC checks on Govt websites, Legal verifications, Mutation checks.
- Technical verification for Urban/Residential/Commercial property collaterals.
- Quarterly training for RM’s on Product and Policy to encourage sourcing knowledge and maintain good TAT.
- Verifications on Post Disbursement Engagement visit reports of RM’s.
- Evaluated and approved credit applications based on thorough financial analysis and risk assessment.
- Developed training materials and provided instruction on lending policies and procedures.
Area Credit Officer - Rural Credit
Axis Bank Ltd
Salem
07.2021 - 01.2023
- Ensure work performed is in accordance with all policies, procedures and audit standards.
- Collecting the needed financial documentation and assessing the clients' creditworthiness.
- Calculating and analyzing the risk ratios of clients based on their credit score and financial history.
- Meeting with clients interested in taking out a loan and providing them with the necessary information to start the loan application process.
- Managing loan renewals by organizing follow-up meetings with clients.
- Monitoring the progress of the loan application process and relaying any hindrances to clients.
- Build a solid understanding of Axis bank products like, Agro Power, Kisan Mitra, Swift OD, MSME Samriddhi Loan, KCC and ODCON and services both within Rural Lending policy.
- Coordinate with bankers on customer calls and site visits, when appropriate.
- Assessing overall Credit eligibility of customer and recommended the case to higher authority.
- Making CAM (Credit Approval Memo) for agri- B2B & B2C loan with deviations and mitigates according to policy criteria for credit approval.
- Processing of Loan in Loan Originating software (LOS) and adhere Shikhar Process for minimizing customer TAT.
- Data Cleansing and MIS collection for NTB and Renewal accounts.
- Receiving PDL documents from sales team to assigning the Legal and technical initiation for final decision.
- Support colleagues in sales, credit, and loan operations roles with adhering to processing and documentation guidelines for loan requests.
CPA –Risk Management
Yes Bank Ltd
Coimbatore
04.2019 - 06.2021
- Preparation of Pan India Daily MIS.
- Preparation of CAM (Credit Approving Memo) for all working capital facility.
- Product knowledge about YES GST, Score Card, CGTMSE, Standup India, Smart OD, Dealer Finance, LAP and Smart Edge.
- Good Knowledge about file checking, Generating the perfios and banking analysis, cibil pulling, valuation initiation.
- Understanding the borrower profile and promoter profile and compare current sales with banking.
- Internal checking of Dedupes, Preparation of ration sheet (Financial Floating on Excel).
- Analysis of financial and banking statement of the clients.
- Verify the CAM before login the case to risk team.
- Maintaining post disbursal documents.
- Develop credit analyses for use by lending officers in the making of lending decisions on new credit approvals and renewals.
- Knowledge about operating systems like LOS, Yes Colors, Kaledioscope etc.
CPA
Advetaya Business Consultant Pvt Ltd
Coimbatore
12.2017 - 03.2019
- Working on financials, bank statements, Credit history etc., of individuals for processing of Personal loans, Business loans, Home loans, Loan against property.
- Scrutinizing of all the provided documents.
- Verifying status of the documents online to avoid any errors in processing.
- Interpreting and updating all the relevant information for loan processing.
- Maintaining status of all processed cases on daily basis.
Accountant
PL.A SALES CORPORATION of TVS SHOWROOM
Karur
12.2012 - 11.2017
- Monitored and analysed general ledger accounts to ensure accurate financial information is presented to management at month-end.
- Updated monthly account reconciliations in support of ending asset and liability balances.
- Prepared, adjusted and evaluated various accruals to ensure their accuracy.
- Prepared monthly revenue and bad debt entries.
- Performed other duties as assigned.
- Dealing with billing as well as act as cashier.
- Preparing monthly vat report of purchase vehicle and sales vehicle.
Accounts Assistant
Uma Maheswari @ Balasubramaniam Associates Auditor Office
Karur
06.2012 - 11.2012
- Managed wholesaler financial records, balance sheets, and generated weekly on cash and demand drafts.
- Produced budgets and regular forecasting for the managing body.
- Organized accounts payable functions for construction expenses and other associative fields.
- Supervision of economic departments with duty for Budgets, Payroll, Accounts to be paid and to be received and important Forecasts.
- Prepared business accounts and tax returns for regular audit programs.
- Organized yearly business balance sheet and reports.
- Provided Tele-calling works and dealt with clients.
Assistant Branch Head
Manappuram Finance Ltd
Krishnagiri
06.2011 - 03.2012
- Supervised grants managers and coordinates the management of their account portfolio, including Marketing activities.
- Worked closely with the faculty members in the department to provide financial information and provide information about our products.
- Maintaining every record and dealing with customer also for canvassing the deposit and gold loan business.
- Responsible for managing branch activities.
- Segregate the target to each employees of the concern to achieved monthly targets.
- Monthly Report of Business growth, and Result of operating Activities.
Junior Assistant
Manappuram Finance Ltd
Trichy
10.2010 - 05.2011
- Rotational job like, gold appraising and dealing with cash relevant activities involving.
- Need based customer satisfied.
Education
Master of Arts - M.Com Bank Management
Bharathidasan University (BDU)
Tiruchirappalli06-2014
Master of Business Administration - Finance and Investment Banking
Bharathir University, RVS College of Arts & Science
Coimbatore06-2010
Bachelor of Business Administration - General Administration
Bharathidasan University, Kongu College of Arts & Science
Karur07-2008
HSC - Commerce
C.S.I Boys Hr, Sec, School
Karur05-2005
Skills
- Financial Statement Analysis
- Analytical Thinking
- Interpersonal Skills
- Organizational Skills
- Communication Skills
- Leadership
- Teamwork
- Credit underwriting
- Risk assessment
- Portfolio monitoring
- Audit compliance
- Credit documentation
- Loan processing
- Regulatory compliance
- Computer Skills
- Microsoft Excel
- Microsoft Word
- Microsoft PowerPoint
- Internet Proficiency
- Change Management
- Time Management
- Networking
Certification
- National Conference on Strategic Management, 02/20/09
- District level seminar for college students on budget-2009, 07/10/09
- Em-power training program, 2008
- Placement Training Workshop, 09/01/09
Projects
- Organizational study at Tool Fab Engineering Industries (P) Ltd, 1 month, Trichy
- A study on financial performance analysis with special reference to Chettinad Cement Corporation Ltd, 2 months, Karur
Personal Information
- Father's Name: Pachaiappan.M
- Date of Birth: 21/07/88
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Languages
Tamil
First Language
English
Intermediate (B1)
B1
Timeline
Branch Credit Manager - KCC Rural Credit
IDFC First Bank Ltd
02.2023 - Current
Area Credit Officer - Rural Credit
Axis Bank Ltd
07.2021 - 01.2023
CPA –Risk Management
Yes Bank Ltd
04.2019 - 06.2021
CPA
Advetaya Business Consultant Pvt Ltd
12.2017 - 03.2019
Accountant
PL.A SALES CORPORATION of TVS SHOWROOM
12.2012 - 11.2017
Accounts Assistant
Uma Maheswari @ Balasubramaniam Associates Auditor Office
06.2012 - 11.2012
Assistant Branch Head
Manappuram Finance Ltd
06.2011 - 03.2012
Junior Assistant
Manappuram Finance Ltd
10.2010 - 05.2011
Master of Arts - M.Com Bank Management
Bharathidasan University (BDU)
Master of Business Administration - Finance and Investment Banking
Bharathir University, RVS College of Arts & Science
Bachelor of Business Administration - General Administration
Bharathidasan University, Kongu College of Arts & Science
HSC - Commerce
C.S.I Boys Hr, Sec, School
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