Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic

Srikanth P

Austin,TX

Summary

Seasoned Credit Risk Analyst with a proven track record at Citizens Bank, enhancing loan processing efficiency by 30% through strategic improvements. Expert in financial analysis and credit risk assessment, I excel in project management and analytical thinking, ensuring robust credit decisions. My collaborative approach and SQL proficiency have significantly contributed to informed, data-driven strategies.

Overview

4
4
years of professional experience

Work History

Credit Risk Analyst

Citizens Bank
Miami, FL
10.2022 - 08.2023
  • Conducted detailed financial analysis on clients to assess creditworthiness and recommend credit limits.
  • Prepared comprehensive credit reports summarizing findings and supporting loan approval or denial decisions.
  • Assessed loan applications according to established criteria and provided recommendations on approval or denial.
  • Participated in cross-functional meetings with other departments such as marketing, sales, operations.
  • Performed sector-specific research to understand risks and opportunities within industries.
  • Reconciled customer accounts to identify delinquencies or disputes, documenting root causes.
  • Reviewed high-risk credit profiles during Credit Committee meetings to ensure sound financial decisions.
  • Managed workload to meet tight deadlines for credit analysis reports and loan decisioning.

Credit Underwriter Analyst

Svatantra Micro Housing Finance
06.2019 - 09.2022
  • Conducted thorough evaluations of salaried and self-employed clients' creditworthiness for housing loan applications by engaging in personal discussions, telephonic conversations, and visiting businesses on-site.
  • Compiled comprehensive underwriting reports for review by the credit committee.
  • Worked alongside Management to assess and address challenging credit cases.
  • Reduced turnaround time for loan processing by 30% via process improvements and time management.
  • Revamped loan structures considering customer repayment capacities while adhering to company policies.
  • Performed comprehensive market analyses to pinpoint high-risk and low-risk client profiles.
  • Enhanced consistency and clarity of evaluations by streamlining underwriting reports.
  • Conducted regular meetings with field sales team for policy education and compliance.
  • Cultivated and preserved robust connections with diverse cross-functional teams, encompassing legal, technical, and disbursement groups.

Education

Master of Science - Business Analytics

Trine University
Detroit, MI
12.2024

Bachelor of Science - Civil Engineering

Osmania University
INDIA
12.2016

Skills

  • Financial analysis
  • Credit risk assessment
  • Loan underwriting
  • SQL knowledge
  • Verbal and written communication
  • Analytical thinking
  • Microsoft Excel proficiency
  • Active listening
  • Self motivation
  • Team collaboration
  • Time management

Languages

English
Full Professional
Spanish
Limited
Hindi
Native/ Bilingual
Telugu
Native/ Bilingual
Marathi
Professional

Timeline

Credit Risk Analyst

Citizens Bank
10.2022 - 08.2023

Credit Underwriter Analyst

Svatantra Micro Housing Finance
06.2019 - 09.2022

Master of Science - Business Analytics

Trine University

Bachelor of Science - Civil Engineering

Osmania University

Similar Profiles

CREATE PROFILE
Srikanth P