Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
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T Soumya Krishna

T Soumya Krishna

Hyderabad

Summary

Solutions focused, meticulous and results-oriented MBA (Banking, Insurance & Finance) Professional offering more than 10 years of successful career in Banking arena with experience in industry analysis, financial convenance calculations, financial statement analysis, Business requirement gathering, distinguished by commendable performance and proven results. Ambitious banking professional with experience in banking leadership, fraud awareness, branch operations, mortgage underwriting and Credit analysis. Talented finance professional with proven expertise in loan and credit management. Diligent in research and assessment for minimized client and business risk. Meticulous in maintaining accurate, up to date records.


Overview

11
11
years of professional experience
3
3
Languages

Work History

Credit Analyst

HSBC
06.2022 - Current
  • Conduct thorough assessments of applicants' financial information, credit histories, and property valuations to determine loan eligibility and risk levels.
  • Verify and analyze supporting documentation such as income statements, bank statements, credit reports, property appraisals and legal documents to ensure accuracy and compliance.
  • Collaborate with mortgage brokers, loan officers and other stakeholders together additional information, resolve queried and provide updates on application status.
  • Assist the underwriting team in preparing loan proposals, completing risk analysis reports and generating loan documentation.
  • Stay updated on mortgage lending regulation, industry trends and changes in underwriting policies to ensure compliance and mitigate risks.
  • Conduct quality control checks on loan files, ensuring accuracy, completeness and adherence to internal policies and regulatory guidelines.
  • Maintain accurate and organized records of underwriting activities, loan decisions and supporting documentation within the designated systems.
  • Provide professional and responsive customer service to mortgage applications, brokers and internal stakholders, addressing inquiries and concerns promptly and courteously.
  • Identify opportunities to streamline underwriting processes, enhance efficiency and contribute to overall improvement of the underwriting function.
  • Worked with senior management and SMEs towards creating Business Intelligence reports.
  • Providing Support functional as well as technical to the end-user like branch, corporate office and etc.entation

Credit Officer

Karur Vysya Bank
06.2013 - 11.2021
  • Steering development & implementation of internal accounting and administrative procedure
  • Managing bank reconciliations, evaluating Term Loan interests, assisting in internal & statutory audits; and collaborating with the Auditors for tax and transfer pricing audits
  • Administering incident management, problem management, change management, release management in both production and application support
  • Assimilating, retrieving and manipulating data for close analysis of system capabilities using SQL; raising Service Requests and simulating issue with Core banking applications (Flexcube), meeting deadlines & requirements
  • Monitoring entry passing through ledger and Excel related reconciliations
  • Liaising with other internal teams in timely manner for resolving outages / degrades; working with business analysts, developers and technical support to determine the best requirement specifications
  • Offering on-call support and checking logs for troubleshooting and resolving critical issues
  • Providing Support functional as well as technical to the end-user like branch, corporate office and etc

Education

MBA - Banking And Finance

Institue of Public Enterprise
Hyderabad
04.2001 -

B Tech -

JNTU
Hyderabad, India
04.2001 -

Skills

  • Accounting Operations & Functional Support

  • Service Quality Management

  • Requirement Gathering

  • Project Execution & Coordination

  • Migration testing

Accomplishments

  • Played Key role in migration of flexcube
  • Accountable for perusing all documents w.r.t OD/CC account opening, reviewing limits on daily basis and interest calculations besides ensuring KYC Compliance
  • Supervise expenditure vis a vis budget on monthly basis.
  • Ensure proper documentation for Banking Transactions by customers.
  • Resolution of customers’ complaints and transactional deviation.
  • Awarded certificate of excellence for being the top 1% of performers in The Karur Vysya Bank
  • Awarded certificate for top performer in HSBC and has consistently received the top rating.

Timeline

Credit Analyst

HSBC
06.2022 - Current

Credit Officer

Karur Vysya Bank
06.2013 - 11.2021

MBA - Banking And Finance

Institue of Public Enterprise
04.2001 -

B Tech -

JNTU
04.2001 -

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T Soumya Krishna