SHARMILA Nalla
Srikakulam
Summary
Adept at financial analysis and problem-solving, I excelled as an Assistant Manager at Karur Vysya Bank Limited, enhancing MSME creditworthiness and streamlining loan processes. My expertise in credit risk assessment and critical thinking led to a significant improvement in loan portfolio health, showcasing a balance between growth and risk management.
Overview
7
7
years of professional experience
Work History
Assistant Manager
Karur Vysya Bank Limited
Visakhapatnam
08.2017 - Current
- As an MSME Credit Analyst, proficient in evaluating financial statements, cash flows, and business models to assess creditworthiness and mitigate risks. Skilled in preparing detailed credit appraisal reports, managing loan portfolios, and ensuring compliance with regulatory standards. Experienced in client engagement to understand financial needs, streamline loan processes, and provide tailored credit solutions. Adept at utilizing credit scoring models, optimizing loan processing workflows, and implementing effective recovery strategies for delinquent accounts, ensuring a balance between risk management and business growth.
Education
B.TECH - ECE
SRI SIVANI INSTITUTE OF TECHNOLOGY
SRIKAKULAM05-2012
Skills
- Proficient in financial analysis, credit risk assessment, and credit appraisal with a strong focus on evaluating MSME financial statements, cash flows, and business models
- Credit monitoring
- Unit status monitoring
- Strong credit assessment
- Delinquency monitoring
- Credit and collections management
- Time management
- Critical thinking
- Risk assessment
- Problem solving
Timeline
Assistant Manager
Karur Vysya Bank Limited
08.2017 - Current
B.TECH - ECE
SRI SIVANI INSTITUTE OF TECHNOLOGY
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