VIJAYARANI ORSU
• Hands on experience Looking after Credit and Risk management as a credit analyst. • Expert in Legal opinions and legal documentation.
Hyderabad
Summary
A Banking professional with 13+ years of experience in banking hands on experience on various segments of banking viz., retail branch banking, Commercial loan processing, retail loan processing, Credit Management, Credit and Business analyst, Legal Expert, business development and team handling. Passionate and Hands on experience in Legal department and Pursuing LLB. Motivated and ambitious professional with good analytical, interpersonal skills.
Overview
14
14
years of professional experience
11
11
years of post-secondary education
3
3
Languages
Work History
ASSISTANT MANAGER CUM CREDIT OFFICER and LEGAL ANALYST
KARUR VYSYA BANK LTD
01.2014 - Current
- Responsible in taking credit decisions for all the proposals Commercial/Corporate and Retail loans routed through branch.
- Supervise and manage workflow and ensure to work within the framework of regulatory compliance.
- Conduct due diligence of proposals along with mandatory filter check list such as negative list matching, customer profiling and CIBIL check.
- Conduct pre-appraisal unit visit along with customer interaction.
- Conduct thorough analysis of financial statements to evaluate credit risk involved in fresh/review proposals.
- Review business beyond numbers through management profiling, account operations and market intelligence.
- Present analysis, findings and recommendations along with risk covenants to sanctioning committee.
- Hands on experience to Verify the title deeds and link documents in coordination with legal team and obtain valuation reports through panel advocates.
- Prepare documentation as per sanction covenants.
- Regular monitoring of the accounts for any extraneous transactions and early warning signals to exit the exposure.
- Monitoring stress levels in the portfolio assigned and to take remedial measures to arrest the account slippage to NPA.
- Hands on experience Looking after Credit and Risk management as a credit analyst.
- Expert in Legal opinions and legal documentation.
- In depth scrutiny of stock statements for SOD/CC accounts to arrive at the drawing power and also scrutiny of the stock registers for assessing the paid-up stock and all sundry creditors and debtors.
- Hands on experience as a Credit manager, expert in Legal opinions and legal documentations scrutinization.
CLERICAL
KARUR VYSYA BANK LTD
01.2012 - 01.2014
- Prepare documentation as per sanction covenants and looking after CERSAI’s for mortgaged/Hypothecated loans at Divisional office.
- Hands on experience in KYC, Due diligence and Compliance.
- Responsible to put Drawing powers for 40 banking branches of all over Hyderabad division branches as per in depth Scrutiny of Stock statements as per all credit and debit summations at Central loan processing Cell (CLPC).
- Handled the reports of GLTB and Exceptional to lead bank business.
Education
L L B -
AURORA DEEMED TO BE UNIVERSITY
01.2024 - 01.2027
M.C.A - undefined
TKR College of Engineering (JNTUH)
01.2005 - 01.2008
B. Sc - M.S. Cs (Maths, Statistics and Computer Science)
SHARADA Degree College for Women
01.2002 - 01.2005
M.P.C
Sagar Matha Junior College
01.2000 - 01.2002
Skills
Financial Analyst
Legal Analyst
RISK Management
Solvency and claim settlements
Compliance
Retail Branch Banking
Team Management
Credit Processing
KYC & AML
Legal Advisor
Corporate Finance
Applications Used
- Flex cube 11.7 (New)
- Flex cube 7
- FRS-Flex cube Reporting System
- LOS-Sales force
<Enter your own>
Date of Birth: 1984-08-18
Disclaimer
I hereby declare that the above information is correct to the best of my knowledge and Belief.
Timeline
L L B -
AURORA DEEMED TO BE UNIVERSITY
01.2024 - 01.2027
ASSISTANT MANAGER CUM CREDIT OFFICER and LEGAL ANALYST
KARUR VYSYA BANK LTD
01.2014 - Current
CLERICAL
KARUR VYSYA BANK LTD
01.2012 - 01.2014
M.C.A - undefined
TKR College of Engineering (JNTUH)
01.2005 - 01.2008
B. Sc - M.S. Cs (Maths, Statistics and Computer Science)
SHARADA Degree College for Women
01.2002 - 01.2005
M.P.C
Sagar Matha Junior College
01.2000 - 01.2002