BALAJI GOPALAN
Chester Springs,PA
Summary
Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company. Hardworking and well-versed in reviewing financial documents, preparing loan packages, and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths. Knowledgeable financial professional experienced in assessing credit viability for Commercial Vehicle/Construction Equipment borrowers. Good organizational and critical thinking skills. 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. Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved.
Overview
26
26
years of professional experience
Work History
Spooling Associate
AWC
08.2019 - 04.2020
- Read and go through the Purchase Order and follow as mentioned in the Ticket
- To match and verify the wires and cables received from Picker Vs the Purchase orders, once it is verified, cut and spool it according to the volume mentioned in the PO
- I have exceeded my targets most of the time
- I have very minimal error points earned and my quality of work is better than many.
- Volunteered for extra shifts during holidays and other busy periods to alleviate staffing shortages.
- Prioritized tasks to meet tight deadlines, pitching in to assist others with project duties.
Order Selector Distribution
CVS Health
02.2019 - 04.2019
- Picking orders using tablets for distribution to various CVS stores
- Picking orders using RF scanners and Android Scanners
- Packing of Items and Working in the shipping department
- Interacting with various transporters for transporting goods
Associate Fulfillment
AMAZON.com
10.2016 - 06.2018
- Selected and filled orders from stock to fulfill customer requirements.
- Followed procedures at all times for personal and team safety.
- Collaborated effectively with coworkers on initiatives focused on achieving measurable improvements in production quality and workflow.
- Received and reviewed new orders, located requested merchandise, and promptly initiated processing.
- Communicated with other departments to facilitate fulfillment activities and address issues.
- Assisted manager in training new employees to apply strategies and best practices in fulfillment process.
Associate Fulfillment
AMAZON.com
10.2015 - 06.2016
- Worked in various departments including Shipping and Receiving, Inbound Dock, Scanning and sorting of packages
- Maintained always 180% and received several times Swag bucks for higher scanning rates
- Followed procedures at all times for personal and team safety.
- Segregated and processed incoming stock and materials to prepare for storage or shipment.
- Picked and packed order items.
- Handled the following types of equipment RF scanner, Pallet jack, U-boat trolley, etc., Taught to operate Center Rider and Jam clear in the overhead conveyors.
Senior Manager
SREI BNP Paribas
09.2014 - 01.2015
- Work with Relationship Managers and Credit Policy Officers to assess credit opportunities,
- identify key risks, and structure alternatives Work directly with RMs to obtain all necessary financial statements and transaction information in order to analyze credit requests
- Manage the renewal process and prepare annual/ semi-annual reviews, including preparation of an in-depth credit analysis of existing borrowers
- Complete other duties and special projects as assigned by Senior Management Promote a positive work environment
- Assess and make credit decisions on closed-end and revolving product applications including Commercial Vehicles, Construction Equipment, and Used Vehicle/Equipment loans.
Credit Analyst
Magma Fincorp Limited
08.2013 - 08.2014
- Provide support to the Regional Credit Manager and the local credit committee
- Analyzed credit scores to determine borrowers' creditworthiness.
- Made decisions and recommendations about extending lines of credit.
- Analyzed customer data such as financial statements to determine the level of risk involved in extending credit.
- Assessed credit risk and analyzed financial statements.
- Reviewed and approved or denied credit applications to keep the organization profitable by making informed lending decisions.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Conducted financial reviews of customer lines of credit by assessing company financials and initiating credit application reviews.
- Gathered loan documentation for underwriting.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Collaborated with other teams to identify and mitigate risks impacting the organization.
- Negotiated payment plans and loan terms with delinquent customers.
- Complied with internal controls and government regulations.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Created credit policies, processes, and procedures to maintain compliance with banking regulations.
Consultant
10.2012 - 07.2013
- Currently working as freelance Consultant and engaged in Real Estate properties such as land, Building, Flats and commercial properties of both new and Re-sale
- Also obtained IRDA License and working as Insurance advisor for Life, General and Health Products of ICICI.
Consultant
V-Shesh Access Services P Ltd
07.2012 - 10.2012
- V-Shesh is engaged in getting livelihood access for Deaf & Dumb and person with disability (PWD) by providing necessary training and job skills for entering the corporate world
- As a Consultant, my role at V-Shesh was to support the three phases – First Phase is collection of data bases of such candidates from association and institutions and training centers run for such people
- Second Phase is to form batches, prepare training calendars and manage the training sessions daily
- Third phase is to market these candidates to corporate clients by discussing with them on the candidate’s strengths and abilities
- Overall, my role taking end to end responsibilities from hiring, training to placement.
Store Associate
7- Eleven Inc.
11.2011 - 12.2011
- As a Sales Associate, my overall responsibility includes handling sales, handling personnel, online ordering of products depending on demand of the product and forecast, stock taking, and overseeing the restocking of products, cash register handling, Shift opening and closing of Accounts etc.
Floor Manager
KUMON Learning Centre
11.2010 - 09.2011
- Managed a team of 25 employees to maintain smooth-running operations on the shop floor.
- Coached employees and trained them on methods for handling various aspects of sales, complicated issues, and difficult customers.
- Oversaw employee performance, corrected problems, and increased efficiency to maintain productivity targets.
Location Manager
Fullerton India Credit Company Limited
10.2009 - 06.2010
- Responsible for driving EEB business for Chennai location
- Our loan product includes BIL/Mortgages and LAP
- Lead a team of 12 members including staffs from Sales, Credit, collection & Back Office (File Processing), etc
- Also responsible for empaneling and driving business through indirect channels like RP’s (Referral Partners) & CA’s (Chartered Accountants) For penetrating higher no of leads and for achieving higher volumes
- Enrolled More than 25 RP’s and 5 CA’s for business penetration through Non-direct channels
Business Unit Manager
Fullerton India Credit Company Limited
04.2007 - 09.2009
- Handled both secured (HL/Mortgage) and unsecured loans
- Handled a team of 25 members
- Within a short span, we built a book size of more than 150 Million,
- Recognized as: No. branch in Tamil Nadu in terms of book size
- No1 branch in Tamil Nadu in terms of secured loan disbursement
- Successfully managed budgets and allocated resources to maximize productivity and profitability.
- Cultivated positive rapport with fellow employees to boost company morale and promote employee retention.
- Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
- Trained personnel in equipment maintenance and enforced participation in exercises focused on developing key skills.
- One of the top branches in Tamil Nadu for cross selling products like Life & General Insurance
- Awarded “Trainer Oscars” for the year 2008 in the category of Best Trainer (parameters were highest number of training sessions, feedback & learning value codes)
- Won “ACE award” in the category of Best branch for integrity and discipline across the country
Area Credit Manager
ICICI Bank Limited
06.2006 - 04.2007
- Supervise and manage the activity of the other credit analysts; ensure adequate workloads, support and career development opportunities Work with Relationship Managers and Credit Officers to assess credit opportunities, identify key risks and structure alternatives To coordinate and work very closely with vendor for effective cost and compliance management Assist the sales teams in developing the best suited propositions four our customers Manage the credit process while communicating effectively with the Relationship Manager, Credit Officer and Client Maintain credit policy standards, perform general supervision of work flow and participate in team effort to achieve departmental/company goals Managing own workload to ensure all work is completed in a timely manner, within our Service Level Agreement
Area Sales Manager
ICICI Bank Limited
04.2003 - 05.2006
- Maintained highest market share in CV segment by effectively managing the new and existing channel partners Ensured that bottom line growth is maintained at prescribed level
- Received USTAAD Award for 6 times for All India Best Performance in business, quality portfolio & PDD, during the year 2002 & 2003 in ICICI
- The Tamil Nadu was the first among all branches in maintaining good MS in LCV and good numbers in 3W biz
- Maintained good WIRR (Bottom Line) in the region and was in the Top 5 locations in terms of collecting management fee & cross selling of other products.
Branch Manager
ICICI Bank Limited
06.2001 - 03.2003
- Increased market share in CV/FE/CE businesses for the assigned location
- Initiated corporate tie-ups with several dealers and mfrs for CV/FE and CE
- Proposed dealer funding for several CV/FE and CE dealers for quick inventory purchase and to gain higher market share Ensured proper pre and post disbursement follow-ups
- Achieved bottom line growth of the branch with a team of Field Sales Executives.
Senior Officer
Ashok Leyland Finance Limited
11.1996 - 05.2001
- Developed good relationship with dealers & manufactures for sourcing business proposals for commercial vehicles and construction equipment’s funding
- Looked after the entire banking activities like cash deposit and reconciliation, etc
- Solely handled repossession of assets for the location, PDD collection and updating
- Independently developed a market for commercial vehicles for ALFL at Namakkal, Dharmapuri and Hosur
- Built an excellent commercial vehicle portfolio at Namakkal and Salem
- Tapped LPG and Trailer Segment at Namakkal for ALFL
- Awarded best branch in terms of biz volume, quality portfolio and maintained DR days lesser than prescribed level for the year 1998 & 1999
Marketing Executive
Wings Business Systems Private Limited
03.1996 - 11.1996
- Marketing Financial accounting software (Wings 6) and consistently met the monthly targets.
Unit In charge
GN Sharma & Associates
04.1995 - 02.1996
- Executed name transfer of shares, prepared check list and maintained ROM
- Prepared shareholders list and efficiently arranged necessary record for AGM’s.
Audit Assistant
Ganesh & Shankaran – Audit Firm
04.1994 - 03.1995
- Part of internal audit team for several companies like Dharani Sugars, Chemfab Alkalies Limited (Team)etc., Preparing and filing of IT and Sales Tax Returns.
Education
Bachelor of Arts (Corporate Secretaryship) -
Guru Nanak College
Chennai, Tamil Nadu05.1994
Skills
- Familiar with MS Office (MS Word, MS Excel, and PowerPoint) and Internet Applications
Residence
706 Hackberry Ct, Chester Springs, PA, 19425
Personal Information
Age: 47 yrs.
Legal Status Of Employment
Permanent Resident (Green Card)
Training
Attended BA & QC training conducted by AgileITtech Attended workshops on self-development focused on Selling Skills, Interpersonal Effectiveness, Managerial Effectiveness, Presentation Skills, Team Building and Leadership Skills.
Timeline
Spooling Associate
AWC
08.2019 - 04.2020
Order Selector Distribution
CVS Health
02.2019 - 04.2019
Associate Fulfillment
AMAZON.com
10.2016 - 06.2018
Associate Fulfillment
AMAZON.com
10.2015 - 06.2016
Senior Manager
SREI BNP Paribas
09.2014 - 01.2015
Credit Analyst
Magma Fincorp Limited
08.2013 - 08.2014
Consultant
10.2012 - 07.2013
Consultant
V-Shesh Access Services P Ltd
07.2012 - 10.2012
Store Associate
7- Eleven Inc.
11.2011 - 12.2011
Floor Manager
KUMON Learning Centre
11.2010 - 09.2011
Location Manager
Fullerton India Credit Company Limited
10.2009 - 06.2010
Business Unit Manager
Fullerton India Credit Company Limited
04.2007 - 09.2009
Area Credit Manager
ICICI Bank Limited
06.2006 - 04.2007
Area Sales Manager
ICICI Bank Limited
04.2003 - 05.2006
Branch Manager
ICICI Bank Limited
06.2001 - 03.2003
Senior Officer
Ashok Leyland Finance Limited
11.1996 - 05.2001
Marketing Executive
Wings Business Systems Private Limited
03.1996 - 11.1996
Unit In charge
GN Sharma & Associates
04.1995 - 02.1996
Audit Assistant
Ganesh & Shankaran – Audit Firm
04.1994 - 03.1995
Bachelor of Arts (Corporate Secretaryship) -
Guru Nanak College
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