SURENDRAN K.P.
Credit Manager
Coimbatore,TN
Summary
Analytical professional with strong background in financial modeling and risk management. Skilled in lending activities and enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Overview
15
15
years of professional experience
7
7
Certifications
Work History
Junior officer -Senior Officer -Asst.Manager (Scale-I)
Dhanlaxmi Bank Ltd
09.2009 - 11.2017
- Handled working capital and term loan products (Both fund based and non fund based products) viz, Cash Credit (CC) , Term loans, Over Draft (OD), Bills discounting, Packing credit, LC, BG, Mortgage loans, etc
- Conducted detailed analyses of financial ratios to accurately determine an applicant's ability to repay loans on time.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Reduced risk exposure through diligent evaluation of applicants' creditworthiness and recommending appropriate credit limits.
- Minimized delinquency rates by conducting thorough background checks on potential clients.
- Worked closely with other departments such as legal, collections, and customer service teams to address any issues arising from approved loans efficiently.
- Ensured compliance with lending regulations and guidelines, contributing to a well-regulated work environment.
- Post sanction follow up and monitoring activities
- Monitoring staff productivity in post sanction follow up and documentation activities and giving guidance on improving the same in conjunction with the Branch Manager
- Reconciliation and maintenance of suspense accounts register as per the required format
Manager (Scale-II)
Karur Vysya Bank Ltd
11.2017 - 08.2018
- Appraising & preparing credit proposals for SME before presenting the same to Divisional and Corporate Credit Committee
- Assessed credit risk and analyzed financial statements.
- Optimized credit approval workflows by automating routine tasks, accelerating turnaround times for quicker customer response.
- Conducting PD visit for high value proposals
- Risk mitigation through internal rating process
- Managing new credit proposals on its viability and also suitably structuring the loan products for mitigating the risk
- Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable
- Handled 18 branches linked to Trichy Divisional Office
- Assisting and motivating the branches in achievement of their targets.
- Managed and motivated employees to be productive and engaged in work.
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
Credit Manager ( MM I -MM II-SM I)
PNB Housing Finance Ltd
08.2018 - Current
- Appraising & preparing credit proposals of both Salaried and Self Employed Customers and recommending the same to Regional Credit Manager
- Conduct personal discussion with customers to establish Credit worthiness and ensure completion of credit/KYC documents and verification
- Decision making within defined TAT, Understanding of property/collateral related knowledge, Vendor TAT management, Vendor Visits, Vendor payments
- Approval of both Home loan and LAP as per the Delegation grid
- Regular interaction with the FI agency, Legal, Technical team, RCU team for timely reports
- Assisting RBIA audit, maintaining compliance and closure of audit
- Optimized credit approval and collection processes, improving operational efficiencies. Championed for credit approval at PAN India level for continuous 5 years
- Handled 5 ROTN branches linked to Coimbatore Hub
- Mentored junior team members in credit management best practices to enhance overall department performance.
Education
PG Diploma in Retail Banking - Banking And Finance
IFBI
Chennai 04.2001 -
MBA - Finance And Marketing
PSG Institute of Management
Coimbatore, India 04.2001 -
Bachelor of Science - Bio Chemistry
Dr.N.G.P College of Arts & Science
Coimbatore, India 04.2001 -
Vivekanada Matric Hr.Sec.School
Perundurai04.2004
Skills
Financial statement analysis
Accomplishments
- PAN India Topper in Credit Appraisal Category for best TAT, Approval ratio and Early mortality under Master Blaster Contest for the past Four years in PNB Housing Finance Ltd
- Member of MD's Topper Club in PNB Housing Finance Ltd
- Ranked among the Top 5 achievers (TN Region) in cross selling Third Party Products in 'Sultans of SIP' contest during the FY 2010-2011
- Region topper in General insurance business in 2016.
- Won the title - ‘Star Employee of the branch' in ‘3G Rockstar' contest for my active business performance and achievement of targets during the FY 2011-2012
- Ranked among the Top 5 achievers (TN Region) in cross selling Third Party Products in ‘Sultans of SIP' contest during the FY 2010-2011
Personal Information
- Father's Name: K.Palanisamy
- Date of Birth: 10/28/85
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Languages
English
Bilingual or Proficient (C2)
Tamil
Bilingual or Proficient (C2)
Hindi
Elementary (A2)
Software
Diploma in Office Automation
Flexcube
Kastle
Certification
JAIIB-Indian Institute of Banking and Finance
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Work Preference
Work Type
Full TimeWork Location
On-SiteRemoteHybridImportant To Me
Company CultureWork-life balanceCareer advancementHealthcare benefitsStock Options / Equity / Profit SharingPersonal development programsTeam Building / Company RetreatsTimeline
Credit Manager ( MM I -MM II-SM I)
PNB Housing Finance Ltd
08.2018 - Current
Manager (Scale-II)
Karur Vysya Bank Ltd
11.2017 - 08.2018
Junior officer -Senior Officer -Asst.Manager (Scale-I)
Dhanlaxmi Bank Ltd
09.2009 - 11.2017
PG Diploma in Retail Banking - Banking And Finance
IFBI
04.2001 -
MBA - Finance And Marketing
PSG Institute of Management
04.2001 -
Bachelor of Science - Bio Chemistry
Dr.N.G.P College of Arts & Science
04.2001 -
Vivekanada Matric Hr.Sec.School
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