VEERARAGHAVAN SUBRAMANIAN
CREDIT OFFICER
KOLKATA
Summary
- Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise.
- Offering more than 10 years of resolving credit disputes and making recommendations on bad debt accounts.
- Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors.
- Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
- Bilingual Credit Analyst familiar with creating credit risk models. Eager to apply skills in account management and research to augment an employer's services and market share.
Overview
11
11
years of professional experience
6
6
years of post-secondary education
4
4
Languages
Work History
Credit Analyst
SOUTH INDIAN BANK
KOLKATA
04.2023 - Current
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Made decisions and recommendations about extending lines of credit.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Participated in loan committee meetings to provide input on lending processes.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Gathered loan documentation for underwriting.
- Complied with internal controls and government regulations.
- Negotiated payment plans and loan terms with delinquent customers.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Created credit policies, processes and procedures to maintain compliance with banking regulations.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Improved understanding of financial statements, which helped in assessing risk.
Customer Service Executive
SOUTH INDIAN BANK
KOLKATA
04.2013 - Current
- Employed comprehensive benchmarks to establish and monitor customer service standards.
- Described product and service details to customers to provide information on benefits and advantages.
- Provided company information and policies to customers upon inquiry and answered questions via phone, email, or online chat.
- Developed working relationships with internal and external customers while assisting with account management duties.
- Escalated critical customer issues to supervisor immediately to avoid lost revenue and canceled policies.
- Evaluated interactions between associates and customers to assess personnel performance.
- Escalated critical customer issues to supervisor to avoid lost revenue and canceled policies.
- Informed customers of upcoming promotions and deals to boost sales.
- Delivered exceptional training and hands-on motivation to team members to enhance customer satisfaction.
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Answered constant flow of customer calls with minimal wait times.
- Responded to customer requests for products, services, and company information.
- Participated in team meetings and training sessions to stay informed about product updates and changes.
- Handled customer inquiries and suggestions courteously and professionally.
- Developed customer service policies and procedures to meet and exceed industry service standards.
Education
Bachelor of Commerce - FINANCE
DWARAKA DOSS GOVARDHAN DOSS VAISHNAV COLLEGE
CHENNAI 07.2007 - 03.2011
JUNIOR ASSOCIATE OF INDIAN INSTITUTE OF BANKERS - Banking And Financial Support Services
INDIAN INSTITUTE OF BANKING AND FINANCE
KOLKATA 05.2014 - 07.2014
POST GRADUATE DIPLOMA IN MANAGEMENT (FINANCE) - Finance
INSTITUTE OF MANAGEMENT AND TECHNOLOGY CDL
KOLKATA 01.2016 - 01.2018
Skills
Experience with different menus of Finacle Software
Financial statements expertise
Verbal and written communication
Lending regulations
High risk account reviews
PLAYING CRICKET
I have been a part of Inter-Collegiate Cricket Team of Dwaraka Doss Govardhan Doss College.
Timeline
Credit Analyst
SOUTH INDIAN BANK
04.2023 - Current
POST GRADUATE DIPLOMA IN MANAGEMENT (FINANCE) - Finance
INSTITUTE OF MANAGEMENT AND TECHNOLOGY CDL
01.2016 - 01.2018
JUNIOR ASSOCIATE OF INDIAN INSTITUTE OF BANKERS - Banking And Financial Support Services
INDIAN INSTITUTE OF BANKING AND FINANCE
05.2014 - 07.2014
Customer Service Executive
SOUTH INDIAN BANK
04.2013 - Current
Bachelor of Commerce - FINANCE
DWARAKA DOSS GOVARDHAN DOSS VAISHNAV COLLEGE
07.2007 - 03.2011