Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
Generic

Shriram K

Bangaluru

Summary

Dynamic professional with proven track record in banking industry. Expertise in operations, credit management, underwriting, and monitoring. Over 8.6 years of experience. Excel in communication, analytical thinking, problem-solving, and reasoning skills. Thrive in culturally diverse environments. Driven by self-motivation and passion for delivering exceptional results.

Overview

9
9
years of professional experience
1
1
Certification

Work History

Branch Manager

City Union Bank Ltd
04.2025 - Current
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.
  • Examined customer loan applications for loan approvals and denials.
  • Submitted loan applications to underwriter for verification and recommendation.
  • Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
  • Developed strategic plans for day-to-day financial operations.
  • Originated, reviewed, processed, closed, and administered customer loan proposals.

Branch Manager

City Union Bank Ltd
04.2022 - 04.2025
  • Leading a team of 8 number of dedicated banking professionals, providing coaching, mentoring, and performance evaluations.
  • Maintained Branch at Nil SMA and NPA
  • Gathers and analyses loan applicant financial data to evaluate risks
  • Makes recommendation about whether to increase, adjust, expend or close lines of credit
  • Make frequent unit visit to ascertain proper utilization of lending

Assistant Branch Manager

City Union Bank Ltd
01.2019 - 03.2022
  • Coordinated with the Branch head for business development and achieving the targets.
  • Performed frequent field visit to verify the end usage of the loan amount

Credit Analyst

City Union Bank Ltd
01.2018 - 12.2018
  • Review loan application documents and analyze business processes/conducting trend, ratio analysis to fine tune decision making.
  • Identifying the loan requirements and eligibility of the client by evaluating the balance sheet, Income statement and Rating of the borrower
  • Gathering / updating data to maintain records and databases
  • Evaluated both Retail and Corporate loans

Relationship Manager

City Union Bank Ltd
08.2016 - 12.2017
  • Encompassing knowledge of handling cash and other banking services.
  • Ensured banking policy and procedure compliance

Education

MBA - Finance

SRM University
Chennai
05-2026

Bachelor of Engineering - EEE

SASTRA University
Thanjavur
05-2016

Matriculation -

SRK Matriculation Higher Secondary School
Salem
04.2012

Matriculation -

Bala Bharathi Matric Higher Secondary School
Salem
04.2010

Skills

  • Credit analysis expertise
  • Financial credit assessment
  • Credit monitoring services
  • Banking services administration
  • Relationship-building strategies
  • Compliance management
  • Business growth initiatives
  • Credit evaluations
  • Portfolio management
  • Credit reports

Certification

  • JAIIB
  • MSME For Bankers from IIBF
  • Certified Credit Professional from IIBF
  • Certificate course in Foreign Exchange from IIBF
  • Ethics in Banking from IIBF

Languages

English
Bilingual or Proficient (C2)
Tamil
Bilingual or Proficient (C2)
Kannada
Upper intermediate (B2)

Timeline

Branch Manager

City Union Bank Ltd
04.2025 - Current

Branch Manager

City Union Bank Ltd
04.2022 - 04.2025

Assistant Branch Manager

City Union Bank Ltd
01.2019 - 03.2022

Credit Analyst

City Union Bank Ltd
01.2018 - 12.2018

Relationship Manager

City Union Bank Ltd
08.2016 - 12.2017

MBA - Finance

SRM University

Bachelor of Engineering - EEE

SASTRA University

Matriculation -

SRK Matriculation Higher Secondary School

Matriculation -

Bala Bharathi Matric Higher Secondary School

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Shriram K