Srivas M.A.
Summary
Versatile Senior Manager specializing in Finance & Analytics and skilled at planning, implementing and overseeing key improvements to drive business growth and efficiency. History of cultivating an open culture with free exchange of information. Pursuing new professional challenges with a growth-oriented company.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Senior Manager
Union Bank of India
Mumbai
07.2022 - Current
- Exposure in appraising term loans and working capital loans upto ₹ 250 crore (~$31 Million)
- Experience in long term debt valuations to industries such as renewable energy, healthcare, iron & steel, cement, agriculture, garments, real estate
- Part of team handling credit portfolio of ₹ 2000 crore (~$235 Million) pan India
- Hands-on expertise in building and analyzing complex 3-statement financial models
- Spearheaded the development of a comprehensive financial model for lease rental discounting finance, incorporating industry-specific metrics and forecasting techniques to optimize revenue generation and minimize risk exposure
- Managed large-scale projects and introduced new systems, tools, and processes to achieve challenging objectives.
- Examined quarterly financials to determine business operating capacity.
- Analyzed revenue distribution, bank reconciliations and account analysis documents for prospective borrowers
- First-hand experience in analysis of complex financial models
- Analyze and evaluate loan applications, assessing credit risk, and determining the borrower's ability to repay loans
- Conduct thorough financial analysis of applicants, including income statements, credit history, and collateral to make informed lending decisions
- Develop and maintain strong relationships with clients and external stakeholders to enhance business opportunities and manage existing portfolios
- Monitor credit exposures and perform regular reviews of loan accounts, identifying potential risks and recommending appropriate actions
- Conduct periodic credit risk assessments and report findings to senior management for strategic decision-making
- Prepared comprehensive credit risk reports for management review and presented findings at credit committee meetings.
Manager
Union Bank of India
Bangalore
07.2018 - 06.2022
- Exposure in appraising term loans and working capital loans upto ₹ 250 crore (~$31 Million)
- Experience in long term debt valuations to industries such as renewable energy, healthcare, iron & steel, cement, agriculture, garments, real estate
- Part of team handling credit portfolio of ₹ 2000 crore (~$235 Million) pan India
- Hands-on expertise in building and analyzing complex 3-statement financial models
- Actively developed financial model for lease rental discounting finance
- First-hand experience in analysis of complex financial models
- Analyze and evaluate loan applications, assessing credit risk, and determining the borrower's ability to repay loans
- Conduct thorough financial analysis of applicants, including income statements, credit history, and collateral to make informed lending decisions
- Develop and maintain strong relationships with clients and external stakeholders to enhance business opportunities and manage existing portfolios
- Monitor credit exposures and perform regular reviews of loan accounts, identifying potential risks and recommending appropriate actions
- Conduct periodic credit risk assessments and report findings to senior management for strategic decision-making
- Prepared comprehensive credit risk reports for management review and presented findings at credit committee meetings.
Assistant Manager
Indian Overseas Bank
Bangalore
11.2014 - 06.2018
- Conducted in-depth financial statement analysis and cash flow projections for corporate clients
- Collaborated with Relationship Managers to structure credit facilities, negotiate terms, and assess risk on large credit proposals
- Developed and implemented credit risk models to improve accuracy and efficiency in the credit evaluation process
- Provided training and mentorship to junior credit officers to enhance their skills and knowledge
- Analyzed consumer credit applications, including personal loans, mortgages, and credit cards, to make sound lending decisions
- Assisted in the development and maintenance of credit scoring models to optimize the loan approval process
- Conducted credit investigations and worked closely with collection agencies to recover delinquent accounts
- Assessed the creditworthiness of potential borrowers by analyzing credit reports and verifying financial information.
Education
CFA CHARTER -
CFA Institute
CFA Level 3 Cleared -
CFA Institute
CFA Level 2 Cleared -
CFA Institute
CFA Level 1 Cleared -
CFA Institute
MBA (Finance) -
Liverpool John Moors University
08.2022
Post Graduate Diploma in Banking & Finance -
Manipal University
10.2014
Bachelors' in Engineering (E.C.E) -
Visweswarya Technological University, India
07.2013
Skills
- Strong understanding of credit risk assessment and analysis
- Business Analysis
- Proficient in financial statement analysis and credit scoring
- Excellent knowledge of industry regulations and compliance standards
- Analysis of complex financial models
- Proficiency in MS Office (Word, Excel, Powerpoint)
- Skilled in building and maintaining strong client relationships
- Ability to work effectively in a team-oriented and fast-paced environment
- Strong communication, problem-solving, and decision-making skills
- Exemplary performance in delivering credit review proposals with tight schedules
- Ability to meet tight schedules and deadlines
- Cross-Functional Collaboration
Certification
- Junior Associate of Indian Institute of Bankers (JAIIB) from Indian Institute of Banking & Finance (IIBF)
- Certified Associate of Indian Institute of Bankers (CAIIB) from IIBF
- Certified credit officer (CCO) from IIBF
- Certified Treasury Professional (CTP) from IIBF
- Certificate course in MSME (CCMSME) from IIBF
- Certificate course in Risk in Financial Services from IIBF
- Certificate course in Foreign Exchange (CCFE) from IIBF
- Pursuing FMVA certification from Corporate Finance Institute (CFI)
Accomplishments
- Won second place in vigilance awareness quiz conducted by Union Bank of India
- Been part of team which was awarded "Best managed branch"
- Appreciated for appraising term loan worth ₹100 Crore (~$ 12 million) in renewable energy sector as it was the first of its kind done by the organization.
Hobbies and Interests
- Playing piano / keyboard
- Travelling
- Learning new cultures
- Tech enthusiast
Timeline
Senior Manager
Union Bank of India
07.2022 - Current
Manager
Union Bank of India
07.2018 - 06.2022
Assistant Manager
Indian Overseas Bank
11.2014 - 06.2018
CFA CHARTER -
CFA Institute
CFA Level 3 Cleared -
CFA Institute
CFA Level 2 Cleared -
CFA Institute
CFA Level 1 Cleared -
CFA Institute
MBA (Finance) -
Liverpool John Moors University
Post Graduate Diploma in Banking & Finance -
Manipal University
Bachelors' in Engineering (E.C.E) -
Visweswarya Technological University, India
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