Summary
Skills
Work History
Education
Certification
Overview
Generic

SIVAGURU G Sivaguru

Credit Analyst
Karur,TAMIL NADU

Summary

Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than Number years of resolving credit disputes and making recommendations on bad debt accounts.

Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.

Accomplished Credit Analyst promoting more than Number years developing skills in customer service, account oversight and collections.

Team-oriented individual highly skilled in credit policies and corporate regulations. Desiring Credit Analyst position with Type company.

Dedicated Credit Analyst with a background in reviewing credit bureau reports and communicating with commercial clients. Knowledgeable in credit approvals and limits. Offering a successful career history comprising more than Number years.

Bilingual Credit Analyst familiar with creating credit risk models. Eager to apply skills in account management and research to augment an employer's services and market share.

Highly trained Credit Analyst offering excellent skills in managing issues, updating files and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought.

Reliable employee seeking Job Title position. Offering excellent communication and good judgment.

To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level Job Title position. Ready to help team achieve company goals.

Dedicated Industry professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.

Experienced Job Title with over Number years of experience in Industry. Excellent reputation for resolving problems and improving customer satisfaction.

Skills

Financial statements expertise

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Work History

Credit Analyst

Karur Vysya Bank Officers
KARUR , Tamilnadu
10.2016 - Current
  • Assessed credit risk and analyzed financial statements.
  • Performed credit reviews on corporations to assess financial conditions.
  • Complied with internal controls and government regulations.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Reviewed customer files on regular basis to make sure receivables were in sound condition.
  • Proved successful working within tight deadlines and fast-paced atmosphere.

Branch Operations Manager

Karur Vysya Bank Officers
ATTUR , Tamilnadu
04.2015 - 10.2016
  • Performed monthly compliance checks.
  • Set up and supervised cash shipments.
  • Maintained scheduling for main branch to keep shifts appropriately staffed.
  • Assessed employee performance and developed improvement plans.
  • Complied with regulatory guidelines and requirements.
  • Gathered and reviewed customer feedback to improve operations.
  • Implemented service improvements to enhance sales cycle.
  • Developed and delivered polished sales presentations in order to highlight product and service quality.
  • Enhanced branch production rates by handling staff conflicts, evaluations, hiring and termination processes and coaching employees on company protocol and payroll operations.
  • Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
  • Maintained friendly and professional customer interactions.
  • Examined customer loan applications for loan approvals and denials.
  • Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
  • Consulted customers to boost product sales and services.
  • Submitted loan applications to underwriter for verification and recommendation.

MIS Assistant

Karur Vysya Bank Officers
KARUR , Tamilnadu
08.2013 - 03.2015
  • Developed technical requirement documentation for new software products.

Branch Operations Manager

Karur Vysya Bank Officers
Trichy, Tamilnadu
09.2011 - 07.2013
  • Maintained branch files for major accounts, investments and employees.
  • Increased client and supplier satisfaction by solving complex issues with efficient resolutions.
  • Set up and supervised cash shipments.
  • Implemented new organizational strategies to strengthen filing systems for billing, receiving and delivery reports to optimize processes.
  • Completed daily Bank Secrecy Act reports.
  • Performed monthly compliance checks.
  • Maintained scheduling for main branch to keep shifts appropriately staffed.
  • Cooperated with Type teams to devise efficient marketing strategies and meet company objectives.
  • Forecasted trends and recommended improvements based on financial risk analyses.
  • Boosted sales and customer loyalty through incentive programs.
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.
  • Completed filings and upheld strict compliance with regulatory agencies and supervisors.
  • Implemented service improvements to enhance sales cycle.
  • Engaged employees in business processes with positive motivational techniques.
  • Maintained friendly and professional customer interactions.
  • Consulted customers to boost product sales and services.
  • Generated financial and operational reports to assist management with business strategy.
  • Identified partnership opportunities and established favorable business connections.

Education

Certified Course -

Indian Institute of Banking & Financial
Mumbai

Master Of Business Administration - Finance And Systems

Bharathidasan University
Trichy
04.2013 - 05.2016

Higher Secondary - Computer Science

St. Peter's Higher Secondary School
Viragalur, Trichy District
06.2006 - 03.2007

Bachelor Of Engineering - Electrical, Electronics And Communications Engineering

VSB Engineering College
Karur
08.2007 - 05.2011

Certification

IIBF JAIIB

Overview

11
11
years of professional experience
8
8
years of post-secondary education
1
1
Certificate
2
2
Languages
SIVAGURU G SivaguruCredit Analyst