Yeruva Mohan Reddy
Hyderabad
Summary
Aiming at constant up-gradation, both professionally as well as personally, with emphasis on organization's success through my hard work and to advance my professional career as a renowned chartered accountant.
Overview
2
2
years of professional experience
Work History
Credit Manager
ICICI Bank
Hyderabad
10.2022 - Current
- Job involves credit underwriting of secured business loans group
- Underwrite the loan application through approve or reject loan requests.
- Conducted comprehensive analysis of credit proposals, including understanding business operations,analysis of financial statements,Bank statements and commercial & individual Bureau Reports to evaluate the creditworthiness of entities.
- Personal Discussions with clients and visiting premises to understand Promoters and Business background,processes undertaken,working capital cycle,Debt to Equity,Banking to turnover,Networth,ATNW,EBITDA margins ,DSCR,other key important ratios and net working capital requirements.
- Prepared Credit assessment memorandum(CAM) and presented the proposals to management to facilitate quick and successful loan sanctions by ensuring the adherence to the terms and conditions of each lender.
- Analysis of Banking relates to Credit summations,Routing,Overdrawing days,Interest delays,Utilization,Cheque bounce,Track
- Detailed Analysis of Collateral property offered by Borrower
- position is related to working on giving sanction of Credit facilities such as OD, CC, DLOD,Term Loans, LC/BG etc., to corporate and individuals ,MSME customers for Fresh, Enhancement and Renewal cases
- Vetting of sanctioned cases for smooth functioning disbursement
- Monitored the end to end borrower journey from proposal receipt to loan disbursement and periodic reviews of future churns to track satisfactory repayment track for effective portfolio management
- Reviewing AUW,Pending compliances,NPA and following up with clients wrt RBI guidelines
- Timely amending the Credit policies and risk matrix models as per industry analysis
- Industries covered are: Manufacturing sectors, Wholesale and retail sectors, Pharmacy sectors, Infrastructure sectors, Logistics.
Education
Chartered Accountant
ICAI
05-2022
Bachelor of Arts - B Com
Kakatiya University
08-2017
Board of Intermediate Education, Andhra Pradesh
03-2012
Board of Secondary Education, Andhra Pradesh
03-2010
Skills
- MS Office (Excel, Word, PowerPoint)
- CIBIL Reports Analysis
- Bureau Reporting
- Tally ERP 9
Articleship Experience
Worked as a Trainee in M/s.Hari and Sagar associates Chartered Accountant firm based in Tirupati, Andhra Pradesh, for 3 Years and works handled are: Statutory Audits, Internal Audits, Tax Audits, Bank Audit, Income Tax and GST Filings, Other Areas such as Book Keeping and Accounting related works.
Knowledge
- Private Equity-Conceptual knowledge on topics like structure & Life cycle of private Equity Fund,Limited partnership agreement(LPA),Limited partner,General partner,Vintage year.
- General understanding on master fund,Feeder fund,Blocker entity,Capital call,Distribution,Recallable distribution
- Understanding on management fee,incentive fee,European & American waterfall provision,Hurdle rate,Preferred Return,Claw back
- Having well acquaintance in providing the CMA (Financials projections for the customer) and Good experience in preparing funding Proposal Note matching the organization policies and procedures.
- Having a positive mindset towards the work and handling the pressure
Key Strengths
- Active Listener
- Team Player
- Keen Learner
- Confidence
Hobbies and Interests
- Reading Books
- Listening Songs
- Playing Cricket
Languages
- English
- Telugu
- Hindi
Timeline
Credit Manager
ICICI Bank
10.2022 - Current
Chartered Accountant
ICAI
Bachelor of Arts - B Com
Kakatiya University
Board of Intermediate Education, Andhra Pradesh
Board of Secondary Education, Andhra Pradesh
Similar Profiles
VISAL VIJAYAKUMARVISAL VIJAYAKUMAR
DEVELOPMENT OFFICER at ICICI FOUNDATION FOR INCLUSIVE GROWTH, ICICI BANKDEVELOPMENT OFFICER at ICICI FOUNDATION FOR INCLUSIVE GROWTH, ICICI BANK
ABINASH DEKAABINASH DEKA
Relationship Manager at ICICI BankRelationship Manager at ICICI Bank
KISMATA SHARMAKISMATA SHARMA
Deputy Branch Manager at ICICI BankDeputy Branch Manager at ICICI Bank