John M
Tuticorin,India
Summary
Experienced Credit Underwriter and Banking Professional with a strong background in MSME credit assessment, risk analysis, and retail asset operations. Proven expertise in financial analysis, loan underwriting, and portfolio management. Demonstrated track record of optimizing credit processes and effectively mitigating risks. Adept at leveraging industry best practices for accurate credit assessments and informed lending decisions. Committed to delivering exceptional results while maintaining attention to detail and compliance with regulatory requirements.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Credit Underwriter (MSME: Working capital Finance)
City Union Bank
02.2024 - Current
- Evaluated Working capital loan applications (North states of India) up to Rs.750 Lakhs and assessed credit risk to determine eligibility for financing
- Reviewed financial documents, including credit histories and income statements, to ensure accuracy
- Evaluated financial strength by calculating net income and analyzing Debt-to-Income ratios
- Reviewed existing loans for renewal or exit, assessing pricing and risk ratings effectively
- Collaborated with loan officers to enhance relationships with creditworthy clients and mitigate risks
- Developed and executed loan workout plans for distressed borrowers, improving recovery rates
- Processed servicing requests for collateral releases and substitutions, ensuring compliance with regulations
- Analyzed financial statements, industry trends, and economic data to evaluate creditworthiness
- Assessed the risk of loan default by conducting thorough company and industry-specific research
- Performed financial ratio analyses to determine liquidity, solvency, and profitability of borrowers
- Participated in due diligence procedures, including site visits and interviews with potential borrowers
- Managed a portfolio of existing loans, monitoring repayment schedules and identifying early warning signs
- Evaluated financial statements, payment histories, and industry trends to identify potential risks
- Collaborated with sales teams to evaluate customer credit requests and negotiate credit terms
- Monitored customer accounts for overdue payments and initiated collection actions as necessary
- Worked closely with internal and external stakeholders to coordinate due diligence efforts
- Analyzed financial information including balance sheets, income statements, cash flow, and tax returns to assess strengths, weaknesses, and risks associated with loan packages
- Managing closure of month end process within time limit specified for each product
- Ensure pre-disbursement legal documents collection as per Legal and vetting report and scrutinize it
Manager – Retail Asset Operations
RBL Bank
11.2017 - 01.2024
- Managed and mentored a team of 10 employees, which is handling disbursal process of Retail asset products in North part of Tamilnadu (i.e
- LAP, Affordable Housing loan, Business loan, Personal loan and MSME)
- Managing closure of month end process within time limit specified for each product
- Ensure pre-disbursement legal documents collection as per Legal and vetting report and scrutinize it
- Co-ordinating Legal team and customer for MODT process and ensure the collection of Registered MODT within a time frame
- Maintaining records, implementing & strictly following the processes as per SOP
- Keeping track of files as per TAT and maintaining MIS of TAT, PDD for the files
- Roll out new ideas to reduce TAT for Booking
- Provide clear and concise responds to audit queries which are related to Retail asset operations
- Co-ordinating Pan India retail asset operations team for data and collating disbursal related MIS (PDD & OTC MIS, FTR & FTNR MIS, Unpaid DD MIS) to publish it
- Handling customer regarding repayment swapping process and giving best support to them through timely process
- Maintaining separate tracker for OTC & PDD docs for different products and do follow-up to receive it from respective Channel
- Handling DD printing activities for Retail asset products and maintaining tracker about Paid & Unpaid status of DD
- Update details of secured loan products in CERSAI site and do satisfaction of charge at post MODT cancellation process
- Managing Post disbursal process like collection of PDD documents, seal the docket and send the file to storage with proper Barcode
- Handling the process of welcome letter generation and dispatch it to customer
- Published MIS for the same on Periodic basis
- Creating team work environment by using unconventional ideas to enhance productivity
Intern
Reliance Communication
01.2023 - 03.2023
- Analyzed the relationship between customer satisfaction & market share in wireline segment
- Designed and administered questionnaire to over 90 enterprises in 4 regions of Chennai
- Surveyed the level of satisfaction & market share of Internet service providers
- Analysis of the collected data using SPSS & excel revealed the importance of key account management team of ISPs and strong positive correlation between customer satisfaction and market share of ISPs
Education
Post-Graduation Diploma in Banking Foundation - Banking And Finance
Manipal University
Bangalore01.2017
Marketing And Operations Management
Thiagarajar School of Management
Madurai01.2015
Bachelor of Engineering - Mechanical
University VOC College of Engineering
Tuticorin01.2013
Class XII -
Devanger Higher Secondary School
Aruppukottai01.2009
Class X -
St.Marys Higher Secondary School
Madurai01.2007
Skills
- Underwriting
- Team leadership
- Credit analysis
- Multitasking and organization
- Quick learner
- Documentation review
Certification
- Achieved “Champion” rating in my previous appraisal.
- CCP – Certified Credit Professional (IIBF)
- CAIIB - Certified Associate of Indian Institute of Bankers
- JAIIB - Junior Associate of the Indian Institute of the Banker
- KYC & AML - IIBF
Accomplishments
- Post-Graduation Diploma in Banking Foundation, Manipal University, 2016-2017, 9.41
- Post-Graduation Diploma in Management (Finance and Operations Management), 2013-2015, 7.10
- Bachelor of Engineering (Mechanical), 2009-2013, 7.82
- Class XII, 2008-2009, 89.75%
- Class X, 2006-2007, 87.80%
Extra-Curricular Activities
Completed personality development program in British council. Completed Computer Aided Designing & Drafting course in CSC computer education. Completed Hardware & Networking course in SRM InfoTech. Divisional Level Basket Ball player.
Disclaimer
I hereby declare that the information furnished above is True to the best of my knowledge.
Personal Information
- Date of Birth: 04/15/92
- Nationality: Indian
Timeline
Credit Underwriter (MSME: Working capital Finance)
City Union Bank
02.2024 - Current
Intern
Reliance Communication
01.2023 - 03.2023
Manager – Retail Asset Operations
RBL Bank
11.2017 - 01.2024
- Achieved “Champion” rating in my previous appraisal.
- CCP – Certified Credit Professional (IIBF)
- CAIIB - Certified Associate of Indian Institute of Bankers
- JAIIB - Junior Associate of the Indian Institute of the Banker
- KYC & AML - IIBF
Post-Graduation Diploma in Banking Foundation - Banking And Finance
Manipal University
Marketing And Operations Management
Thiagarajar School of Management
Bachelor of Engineering - Mechanical
University VOC College of Engineering
Class XII -
Devanger Higher Secondary School
Class X -
St.Marys Higher Secondary School
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