TEJESWARARAO KILARI

Credit Analysis & Underwriting Support

• Conducted pre-underwriting credit assessments including borrower financial analysis, repayment capacity evaluation, and collateral adequacy review.
• Analyzed balance sheets, cash flows, leverage ratios, and debt service indicators to support sanctioning and renewal decisions.
• Applied structured credit risk principles to ensure alignment with approved exposure limits and internal policies.

Secured Lending & Collateral Management

• Evaluated collateralized exposures backed by property and financial assets, ensuring enforceability, valuation accuracy, and margin compliance.
• Reviewed valuation reports, security documentation, charge creation, and collateral coverage ratios.
• Supported exposure-backed lending concepts aligned with risk-controlled portfolio management.

Credit Monitoring, Reviews & Risk Control

• Performed periodic and annual credit reviews, assessing account performance, covenant compliance, and collateral sufficiency.
• Identified early warning indicators, documentation gaps, and compliance deviations; escalated exceptions through defined governance channels.
• Contributed to zero-NPA outcomes in newly sanctioned and reviewed exposures during 2022–2025 through disciplined monitoring.

Documentation, Compliance & Audit Governance

• Reviewed and prepared sanction terms, loan agreements, and security documents, ensuring compliance with internal policies and regulatory standards.
• Ensured adherence to regulatory requirements, internal credit policies, and audit standards.
• Maintained zero major audit observations across consecutive internal and external audits.
• Oversaw AML/KYC compliance including customer due diligence (CDD), periodic KYC reviews, and regulatory adherence.

Portfolio, MIS & Stakeholder Management

• Managed credit data accuracy across multiple banking systems, ensuring correct setup of limits, guarantors, and securities.
• Prepared MIS reports covering exposure, collateral status, covenant compliance, and exception tracking.
• Coordinated with credit, legal, compliance, audit, recovery teams, and external valuers to resolve issues efficiently.

Leadership & Process Improvement

• Supported growth of secured credit portfolio from ₹55 Cr to ₹155 Cr while maintaining strong risk controls and documentation quality.
• Implemented workflow improvements reducing credit processing and review turnaround time by ~25%.
• Mentored junior officers on documentation accuracy, risk awareness, and compliance discipline.

HNI Client Management & Wealth Management

• Managed HNI and emerging affluent client relationships across secured and unsecured credit, personal loans, and wealth management, delivering tailored financial solutions aligned with client needs and risk profiles.
• Conducted comprehensive credit underwriting through income assessment, bureau analysis, cash-flow evaluation, leverage and repayment-capacity analysis, and internal risk parameters, ensuring prudent sanction recommendations and effective credit risk management.
• Managed end-to-end investment product distribution, including client risk profiling, suitability assessment, regulatory-compliant onboarding, and coordination with asset management and insurance partners to deliver structured investment solutions.
• Built and managed recurring SIP portfolios while ensuring regulatory and documentation compliance, contributing to sustainable fee-based income growth and strengthening long-term client relationships.

Developed detailed test cases through manual testing to improve software quality for retail client. Collaborated with TTSL application support team to troubleshoot and resolve critical system issues. Generated reports using SAS Business Objects tool to provide insights and enhance data visibility.