Srinivas Pyata
Sr Credit Analyst
Mumbai
Summary
Experienced Chartered Accountant with a strong background in Credit Analysis spanning over 6 years in both retail and corporate banking sectors. Proven track record of effectively assessing credit risk, analyzing financial statements, and making sound recommendations to mitigate potential losses. Skilled in identifying key financial indicators and implementing strategies to optimize credit portfolio performance. Dedicated professional committed to delivering accurate and timely financial insights to support informed decision-making processes within the banking industry.
Overview
7
7
years of professional experience
2019
2019
years of post-secondary education
6
6
Certifications
4
4
Languages
Work History
Senior Manager (CA) _Sr Credit Analyst
The Federal Bank Ltd
10.2021 - Current
- Credit analysis, loan underwriting, and decision-making for corporate loans more than Rs. 10 crores.
- Detailed analysis and review of financial statements for corporate loans, including preparation of ratios and analysis thereof.
- Analysis of Business P&L Forecast vs. Actual Variances to Assess Continued Creditworthiness and Enhance Existing Limits And analysis of business reasons underlying those variances that have caused effect on P& L.
- Interaction with branches, RMs, clients, other departments, and external parties like valuers, advocates, etc. for credit underwriting of files and ensuring proper management of sourcing.
- Perform the necessary analysis on the primary and collateral securities to make sure they satisfy the bank's requirements for acceptance.
- Ensure pre and post-sanction compliance and credit hygiene. Analyzing the NPA accounts which are sanctioned at the hub level, following up with branches and reporting thereon.
Manager
The Federal Bank
10.2018 - 09.2021
- Conducted credit appraisal of retail loan applications, including mortgage and housing loans, assessing applicant's income, repayment capacity, and property valuation.
- Verified applicant documentation to ensure accuracy and compliance with the bank's lending policies and regulatory requirements.
- Contributed to the processing and disbursement of retail loans within established timelines.
- Assisted in the monitoring of the retail loan portfolio performance and identified potential areas of concern.
Education
Chartered Accountant -
Institute of Chartered Accountants of India
Graduation - B.com
Osmania Univeristy
Skills
Experienced in utilizing Finacle for banking operations
Certification
Certificate in Commercial Credit India, Moody's Analytics, 05/01/23
Timeline
Senior Manager (CA) _Sr Credit Analyst
The Federal Bank Ltd
10.2021 - Current
Manager
The Federal Bank
10.2018 - 09.2021
Graduation - B.com
Osmania Univeristy
Chartered Accountant -
Institute of Chartered Accountants of India
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