Syed Zaheeruddin
Hyderabad
Summary
A methodical and result driven professional with multi-task handling skills in demanding work environment having banking experience of over 13 years in Sales and Credit.
Overview
15
15
years of professional experience
Work History
Business/Revenue Head
Ofbusiness-Oxyzo Financial Services Limited
Hyderabad
12.2017 - Current
- Establish and manage Hyderabad division of the firm, Grew business by 30% Average MOM
- Find new Clusters, New Products, New Verticals to diversify the credit portfolio of the firm there by reducing NPA risk
- Determine Annual Gross Profit plan by implementing marketing strategies, analyzing trends & results
- Handling both Retail and SME lending products viz. LAP ( MSME and Mid- Corporate),Drop down overdrafts, Term Loans, Bank guarantee, Letter of credit, Project Finance Fund/Non Fund Based Product
- Handling Loan Portfolio around 530 crores
- Started Pilot process for Business loan in Hyderabad Market
- Handling Business Loan/ Retail portfolio via DSA's, Connector and Open market
- Tied up with all Corporate DSA's for Business loan segment
- Structuring financing and procurement solutions for clients in manufacturing, infrastructure & construction industries
- Building topline via fulfillment, secured (Lap/BG/LC) & unsecured credit portfolio
- Due diligence & financial analysis
- Collections & recovery
Sr. Credit Assessment Officer
ANZ Bank
Bangalore
06.2015 - 04.2016
- Assessing requests received from Customer's through Solicitor's for Partial Discharge and Consents for the Mortgage/Security held by ANZ
- Adherence to all CAD framework and Credit policy
- Providing timely support for periodic delivery of credit parcels to construction projects (based in NZ) basis the progress of construction
- Reviews credit data to evaluate commercial loan requests in order to approve or deny applications
- Analyzes sources of financial information, such as reporting services, credit bureaus, other companies, main office files, and branches to determine profitability of loan
- Consults with customers to verify financial and credit transactions; responds to customer inquiries and resolves customer complaints
- Initiated changes in credit policies - Ensured policies and procedures accorded with department's standards
Financial Analyst
HSBC Bank
Hyderabad
07.2012 - 06.2015
- To review and analyze financial statements of public and private commercial firms in order to assess credit worthiness and risk associated with a lending application for accurate and timely credit decisions
- Prepare and present financial statements to ascertain Credit Risk Ratio (CRR)
- Identifying /assessing discrepancies by reviewing individual credits and supporting securities including compliance with policies, procedures and regulations thereby enabling assessment of commercial and corporate credit risks
- Review the financial accounts to check the turnover and the financial health
- Spreading Financial Information into Moody's Analyst System, in line with Spreading Guidelines and further feeding subjective information into Moody's Risk Advisor to generate the Customer Risk Rating Ratio
- Linking the results to the CARM Web Application and uploading reports
- Scrutinizing & evaluating the Financial Statements and Subjective Information received from the Commercial Banking Customers
- Distinguish assets, liabilities, incomes and expenses and spread them according to the lending guide lines of HSBC
Accountant
Octopus Staffing & Consulting Solution
Hyderabad
07.2010 - 05.2012
- Handling of all incoming and outgoing letter, filing, correspondence& general routing office work
- To develop and implement the financial policies systems and procedures of an establishment
- Preparation of monthly advances schedule and monthly deduction list of the employees
- Preparation of Cash Book, Bill Book, Purchase Register, Petty Cash
- To prepare Invoice and when require to handle petty expenses
- Filing of Vouchers and Receipts
Education
B.Com -
Osmania University
Hyderabad10.2010
Skills
- Sales
- Business Development
- Risk Assessment
- Team Player
- Product Design
Hobbies and Interests
- Learning
- Cycling
- Travelling
- Audit Handling & Compliance
Languages
Hindi
First Language
English
Proficient (C2)
C2
Spanish
Beginner (A1)
A1
Timeline
Business/Revenue Head
Ofbusiness-Oxyzo Financial Services Limited
12.2017 - Current
Sr. Credit Assessment Officer
ANZ Bank
06.2015 - 04.2016
Financial Analyst
HSBC Bank
07.2012 - 06.2015
Accountant
Octopus Staffing & Consulting Solution
07.2010 - 05.2012
B.Com -
Osmania University
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