ravi chandra gundepudi

Credit analysis & appraisal
 Analyzing customer business and financials.
 Understanding and analyzing customers strength, opportunities and mitigates for the risks identified.
 Identifying suitable credit products and its composition to has hold on the customer with customer convenience.
 Putting up of proposal for approval.


Credit monitoring function
 Ensuring compliance of all the terms & conditions of sanction and closure of deferrals.
 Monthly monitoring of overdue, TODs, constant interaction with the customer.
 Analyzing the customer quarterly financials, monitoring achievement of projections.
 Periodical monitoring of contracts funded, cash flows and the progress of completion with time lines.
 Timely completion of renewals.
 Analysis of the actuals with the projections and analyzing the gap considering the changes in macro level factory.
 Periodic review of portfolio.

Client Relationship Management
 Attending for customer queries and ensuring the resolution at the earliest.
 Liasioning with customers in getting the required information/documents in time.
 Customer visits along with Relationship Manager.

Credit analysis & appraisal comprises of …
• Identification and understanding location & industrial risks ( at macro & micro level) and its effect on the customer and its functioning.
• Understanding and analyzing customers strength, opportunities and mitigates for the risks identified.
• Identifying suitable credit products and its composition to has hold on the customer with customer convenience.
• Taking exposure with suitable caveats.

Sanction of exposures upto Rs.100 lacs and for high exposure cases recommending to higher authorities.

Credit monitoring function as below..
 Ensuring compliance of all the terms & conditions of sanction and closure of deferrals.
 Monthly monitoring of overdue, churning, cheque returns, TODs, constant interaction with the customer.
 Early warning call on the customer, to understand the problem and for taking measures for rectification.
 Analyzing the customer monthly statement, statutory returns, and reports, ensuring the achievement of projections and business status.
 Comparing the customer achievements with the projections and analyzing the gap considering the changes in macro level factory.
 Periodic review of portfolio and measures for improvement of health of accounts.

Client Relationship Management
 Managing customer centric operations & ensuring customer satisfaction by achieving delivery & service quality norms.
 Mapping client’s requirements with best credit/ financial solutions to suit their needs.

Team Management
 Optimum utilization of resources with equal distribution of work amount the team.
 Leading, training & monitoring the performance of team members to ensure efficiency in operations and meeting of individual & group targets.
 Creating and sustaining a dynamic environment that fosters development opportunities and motivates high performance amongst team members.
 Training Credit and business teams.
 Coordinating with different regions to ensure smooth flow of operations.

Key Functions
- Managing a wide gamut of functions, viz. Credit analysis, appraisal and sanctioning, Credit Monitoring and periodical review of the portfolio, MIS, scrutinizing relevant documents and ensuring compliance with organizational credit policies.

Credit analysis & appraisal comprises of …
 Identification and understanding location & industrial risks ( at macro & micro level) and its effect on the customer and its functioning. ( information sources: crisil, internet, mails on industry updates, news paper)
 Understanding and analyzing customers strength, opportunities and mitigates for the risks identified. (information sources: financials, track record, production and managerial capacities)
 Customer screening through CIBIL, DEDUP, D&B and from RBI data.
 Risk rating of the customer through CRISIL.
 Identifying suitable credit products and its composition to has hold on the customer with customer convenience.
 Taking exposure with suitable caveats.

Sanction of exposures upto Rs.100 lacs and for high exposure cases recommending to higher authorities.

Credit monitoring as follows..
 Ensuring compliance of all the terms & conditions of sanction.
 Monthly monitoring of overdue, churning, cheque returns, TODs, constant interaction with the customer.
 Early warning call on the customer, to understand the problem and for taking measures for rectification.
 Analyzing the customer monthly statement, statutory returns, and reports, ensuring the achievement of projections and business status.
 Comparing the customer achievements with the projections and analyzing the gap considering the changes in macro level factory.
Client Relationship Management
 Managing customer centric operations & ensuring customer satisfaction by achieving delivery & service quality norms.
 Mapping client’s requirements with best credit/ financial solutions to suit their needs.

 Managing various credit operations including appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning loans.
 Supervising approval of loan proposals & sanctioning credits after appraising solvency status & verifying documents
 Monitoring post loan disbursement activities including recovery of bad debts, NPA, preparation of compromise proposals, legal proceedings, etc.
 Analysis of loan applicant's financial statement and risk assessment
 Renewal and review of Limits
 Presentation of proposals to the GM and Board.
 Comparing the customer achievements with the projections and analyzing the gap considering the
Changes in macro level factory.

 Finalize the Profit & loss & Balance sheet at the year-end of our client, passing journal entries, preparing bank Reconciliation Statements and Preparing books of accounts and Bank Audits
 Income Tax Audit, Calculation of tax and preparation of Tax returns for individuals and partnership firms
 Internal audit of companies, statutory audit of nationalized banks.
 Preparation & Filing Income Tax Returns.
 Computation of Advances Tax & Interest under Income Tax Act.
 Verification of Computerized Accounts along with internal control.