RAJESH KILLAMSETTI
rkillamsetti@gmail.com
9652545312
Srikakulam, India 532001
Skills
Summary
• Credit Analysis
• Loan processing Mater's in Banking and Finance with 7.7years experience in Credit appraisal ,Post
• Risk Assessment Sanction, Documentation &Branch operation Current Associated with Axis Bank
• Financial Statement Analysis Pvt Ltd, Hyderabad as Senior Manager Well versed with concepts of Banking
• Compliance Operations Credit Appraisal (working Capital and Other Retails Term Loan)
• Portfolio Management
• Customer Acquisition Experience
• Delinquency Monitoring Axis Bank Private Ltd –Senior Manager
• Customer Proposals (CORPORATE BANKING - Credit Administration Manager)
• Loan Recommendations Hyderabad, INDIA
• Documentation Preparation 01/2024 –Till Date
• Legal Requirements • Proficient in Corporate banking Operational Process (Fund & Non Fund
• Credit Assessments Limits)
• Team Management • Execution of Agreements and On boarding the client
• NPA Recovery • Verifying the Legal / Valuation / Insurance documents for the
• SMA Monitoring security offered
• Handling Internal Audit • Inspection of Properties and Units as per sanction terms.
• Portfolio Management and handling around 140 corporate clients
• Portfolio Management – Liaoning with Borrowers, Business team &
Education And Training Management
04/2016 • Risk Management
MBA: • Business due diligence & relationship management
Banking And Finance • Assignment and Scrutiny of documents for legal / Valuation / Revaluation/
KL UNIVERSITY Legal Audit/ Stock Audit reports / Inspection reports conducted by CA firm
VIJAYAWADA, Andhra Pradesh / Project progress reports/ End use certificates/ Statutory dues & Due
Diligence/ Probe report scrutiny.
03/2012 • Exchange of Information to other banks as per timelines
Bachelor of Engineering • Coordinate with various Stakeholders like Legal Department/Risk
Technology: • Department/Auditors/RCU/Finance and accounts/ Central Office
Electronic And Communication • ROC Filing/ Cersei registration/ Satisfaction
Sri Sivani College of Engineering • Pending Security – Follow up and ensure closure within timelines
Srikakulam, Andhra Pradesh • Drafting of agreements as per sanction terms pertaining to Working
Capital Loans (Cash
• credit, Overdraft, Inventory Funding – Channel Finance, Term Loans, BG,
Certifications LC Etc.
• JAIIB from the Indian Institute • Process Documentation as per the standard legally vetted agreements
of Banking and Finance • Execute the transactions as per the Corporate Credit Policy of the Bank
• Credit Underwriter from NISM • Processing within the Timelines and adhering to TAT
and CRISIL • Collateral management in Finacle Software with regard to the securities
offered as per
• sanction terms
• Updating of various trackers for Control and Monitoring
• Record management and tracking
• Compliance and Monitoring of Clients activities on day to day basis and
bring out the
• observations / deviations and put up to the Business department /
Management for review.
• Recovery of Overdue amount, Processing fees & other charges to ensure
Nil Income leakage
CITY UNION BANK LTD-Deputy Manager
(Branch Development Manager JM II)
KHAMMAM, INDIA
09/2022 – 01/2024
• Analysis client assets to assess whether loans should be granted.
• Completed detailed financial analysis, Statement of all accounts & Property
Evaluation of individuals and companies to determine loan feasibility.
• Verifying credit application forms, documentation & creditworthiness of all
customers and submitting for further approvals and Recommend Loan approvals
or denial as Well as limits.
• Complete preparation of credit note of customer including financial statements,
Ratios and analysis present and past performance of business.
• Appraisal of Corporate Loan Viz, Working Capital loans, Term Loans, Bank
Guarantee & Retails Loans Viz, Housing Loan, LAP and Vehicle Loans.
• Assessing the credit limit that could be recommended based on measures of
lending for sanction by the management.
• Following up with the front office team, reservations team for any outstanding
high balances in the guest ledger.
• Analysis of New Customer for processing of loans and maintain the existing clients
by reviewing the business and granting Enhancements.
CITY UNION BANK LTD - Assistant Manager
(Branch Development Manger JM I)
KHAMMAM, INDIA
04/2020 - 08/2022
• Generating New Lead of MSME SME and Other retail Loan Client From the
existing customers
• Ensuring timely/review/renewal of credit limits/ proper disbursement after
sanctioning of the loan, Coordination with the Sales, Legal, Technical, and
customer for disbursement within stipulated TAT.
• Ensuring compliance with KYC norms and carrying out due diligence strictly
conduct scrutiny of the following pre disbursement activities
• Obtaining data/information from customers for assessment and processing of
the proposal and Educating the Variety of loan Products & Available credit
Options.
• Interacting with key officials in the borrowing units for obtaining
data/statements etc. also obtaining the Key ratings from other Sources.
• Assess income to obligation ratios, loan to value ratios, in-depth knowledge of
rationale behind the calculation of ratios, and its impact on loan performance
over long tenure
• Analysis of financial statements put up to Relationship Manager and taking up
issues/observation recorded, with the company.
• Rectifying irregularities pertaining to pre-sanction pointed out in various Credit
Audit Reports.
• Creation/Perfection of Security, Execution of Documents by Borrowers/
Guarantors/ Mortgagors by ensuring its correctness as per bank policies and
Guidelines
CITY UNION BANK LTD - Senior Associate, Branch Operation & Credit Sales
KAKINADA, INDIA
06/2016 - 04/2020
• Ensuring the Proper KYC and AML Guidelines to follow, monitoring the accounts,
risk classifications of the accounts.
• Solving customer's queries/complaints and reporting to respective
Department/section
• Managing the entire branch operation by strictly adhering to the policies and
procedures of the bank.
• Managing Branch operation, Like Cash Management, Clearing, payments
(Including RTGS & NEFT payment) Jewel Loan Disbursement.
• Motivating, Encouraging, and assisting team members for CASA and
achievement of Branch target by fulfilling KYC norms
Personal Details
Date of Birth : 15th June 1991
Marital Status : Married
Permanent Address : 7-12-9,Anathapalli Vari Street ,Srikakulam,Andhra Pradesh
.
Languages Known : English, Telugu
