Saisankar Raja
Credit Analyst
Coimbatore
Summary
● Credit Analyst with 5 years of experience in Credit underwriting, Credit Rating, Portfolio management and Financial Analysis.
● Extensive experience in SME and Large corporate segment with Agile Methodology in Credit Underwriting and Financial Statement Analysis
Overview
9
9
years of professional experience
5
5
years of post-secondary education
3
3
Certifications
Work History
Branch Credit Manager
City Union Bank
04.2022 - Current
- Developed strong relationships with key business partners, fostering collaboration to drive branch growth and performance.
- Implemented new technology solutions to improve data management capabilities, enabling more informed decision-making processes related to credit approvals.
- Performing credit rating, Credit underwriting & portfolio management.
- Identified opportunities for business expansion through careful analysis of market trends and competitor offerings within the region''s commercial lending landscape.
- Analyzing the financials of client, preparing MFA and generation of scorecards for internal rating purposes.
- Credit assessment of fund based and non-fund-based limits, Secured & unsecured limits for Small & Medium Enterprises (SME) segment.
- Collaborated closely with sales teams to develop targeted lending strategies that aligned with branch goals and objectives.
- Achieved consistent customer satisfaction ratings through efficient resolution of issues related to loan applications or disbursement processes.
- Enhanced branch profitability by optimizing the credit portfolio mix and mitigating potential risks within lending activities.
Deputy Credit Manager
City Union Bank
01.2019 - 03.2022
- Credit underwriting of Working capital cash credit, Secured overdraft, Working capital Term loan, Working capital Demand loan, Letter of credit & Bank Guarantee.
- Streamlined loan application processes for faster turnaround times and increased client satisfaction.
- Analysis of Income statement, Balance sheet, Cash flow statement & CMA Data
- Internal credit rating mechanism to mitigate credit risk of borrower.
- Reviewed and performed credit proposals for Fresh, Renewal, Enhancement and Additional facility.
- Support in reaching branch credit targets & forecast growth on monthly & quarterly basis
- Keen check on KYC, Cibil report, IT returns, GST fillings, Probe report, MCA data & Scoreme report
- Investigated and evaluated customers for creditworthiness and potential risk factors
Relationship Manager, Banking Operations
City Union Bank
09.2015 - 12.2018
- Developed targeted marketing campaigns for relationship banking clients, boosting product awareness and adoption rates.
- Utilized effective communication and negotiation skills, resolving disputes between clients and the bank in a professional manner.
- Streamlined checkout process for increased efficiency and reduced waiting times.
- Processed mail accurately and efficiently, ensuring that all correspondence was distributed to the correct recipients in a timely manner.
- Ensured confidentiality of sensitive documents through proper storage methods and restricted access control implementation.
- Supported administrative staff with timely completion of daily tasks, ensuring smooth office operations.
- Facilitated communication between departments through prompt forwarding of messages and coordination of inter-departmental meetings.
- Utilized strong multitasking skills to manage multiple priorities and tasks, ensuring timely completion of each assignment.
Education
MBA - Finance & Marketing
SASTRA UNIVERSITY
Thanjavur 05.2013 - 06.2015
Bachelor of Commerce With Computer Applications - Commerce
Bharathidasan University
Trichy 06.2010 - 04.2013
Skills
Credit analysis
Loan Underwriting
Credit Reports
Budget Planning
Certification
Certified Credit Professional from Indian Institute of Banking & Finance
Timeline
Branch Credit Manager
City Union Bank
04.2022 - Current
Deputy Credit Manager
City Union Bank
01.2019 - 03.2022
Relationship Manager, Banking Operations
City Union Bank
09.2015 - 12.2018
MBA - Finance & Marketing
SASTRA UNIVERSITY
05.2013 - 06.2015
Bachelor of Commerce With Computer Applications - Commerce
Bharathidasan University
06.2010 - 04.2013
Similar Profiles
SWAPNESH KUMAR DWIVEDISWAPNESH KUMAR DWIVEDI
Branch Development Manager at City Union BankBranch Development Manager at City Union Bank
John M John M null
Credit Underwriter (MSME: Working capital Finance) at City Union BankCredit Underwriter (MSME: Working capital Finance) at City Union Bank
KARAN RAJA SKARAN RAJA S
Senior Banking Manager at City Union BankSenior Banking Manager at City Union Bank