Summary
Overview
Work History
Education
Skills
Certification
Languages
Custom
Affiliations
Accomplishments
References
Timeline
Generic

Devisree Anpur

London,United Kingdom

Summary

Experienced professional with a strong background in credit risk assessment, commercial real estate expertise, and customer service orientation. Proficient in advanced MS Excel, SQL, and database management, with a solid understanding of FCA regulations and loan review processes. Demonstrated ability to conduct income statement analysis, cash flow analysis, and credit exposure monitoring. Adept at using Jira for project management and committed to delivering exceptional customer service while managing credit effectively. Career goal includes leveraging analytical skills to enhance financial stability and growth within an organisation.

Energetic Credit Analyst known for identifying financial risks and opportunities. Spearheaded initiatives that improved loan approval accuracy and reduced default rates. Excel in conducting detailed financial analyses and providing actionable insights to optimise credit policies.

Analytical and driven professional with proven expertise in financial data analysis and risk assessment. Demonstrates exceptional problem-solving abilities and strong communication skills, ensuring thorough evaluations and clear reporting. Aspires to contribute significantly to success of Credit Analyst role.

Offering strong analytical skills with solid understanding of financial principles. Knowledgeable about data analysis, risk assessment, and financial reporting. Ready to use and develop problem-solving, communication, and critical thinking skills in Credit Analyst role.

Overview

12
12
years of professional experience
2012
2012
years of post-secondary education
1
1
Certification

Work History

Credit Analyst Officer

Canara Bank
Hyderabad, India
10.2015 - 11.2024
  • Analyzed financial statements and prepared credit reports to assess the creditworthiness of individuals and businesses, cash handling and regulatory requirements
  • Maintenance of documentation of corporate loans and review reports; look after disbursements as per sanctioned limits
  • Perform in-depth data analysis on credit performance, providing insights to improve investment strategies and optimize fund performance
  • Support Senior Project Analysts and Project Consultants to undertake project work; ensuring delivery in line with project deadlines and client expectations
  • Conducted risk assessments and make recommendations on credit lines, loans, and other financial products
  • Present appraisal note before concerned committee with suitable recommendations in terms of amount to be sanctioned, acceptability of the risk, terms and conditions of the sanction, pricing, processing charges etc
  • And communicate the sanction copy to client
  • Ensured that collateral securities are properly mortgaged, valuation of securities, legal scrutiny reports are in force for secured credit limits abiding with statutory guidelines
  • Ensured compliance with company policies and regulatory requirements in the credit approval process and the exposures are sanctioned within delegated powers
  • Preparing annual reviews by assigning risk ratings, addressing all relevant risks
  • Preparation of monthly reports / financial returns for presenting to the credit committee / senior management and regulatory authorities
  • Handling of portfolio management involving client meetings to gain understanding of their business, financial performance & risks
  • Monitoring of allocated portfolio and industries for material developments affecting credit quality and the initiation of appropriate action
  • Monitored loan performance and creditworthiness through the lifecycle of business and worked with client's to manage overdue accounts and negotiate payment terms
  • Develop and manage project timelines, budgets, and resources, ensuring efficient and successful project delivery
  • Successfully managed the integration of new projects ensuring delivery in line with project deadlines and client expectations, reducing processing time better than earlier
  • Assisted in the development of finance management policies and updating relevant administration databases and systems, leading to improved client satisfaction and compliance rates
  • Assessed applicants' credit data and financial statements for loan eligibility.
  • Collaborated with internal teams reviewing policies, procedures ensuring alignment with regulatory requirements.
  • Kept abreast of industry developments to provide accurate investment advice.
  • Designed models predicting default probabilities using multiple regression techniques, increased accuracy in predictions.
  • Participated in negotiations involving problem loans; resolved complex situations successfully.

Customer service representative

Canara Bank
Hyderabad, India
06.2012 - 01.2015
  • Participated in team meetings sharing best practices for improving service delivery.
  • Performed administrative duties contributing towards smooth store operations.
  • Trained new hires for improved productivity and efficiency on the job floor.
  • Managed high volume of inbound calls for quick resolution of customer issues.
  • Offered technical support, leading to enhanced user experience.
  • Provided top-notch support for increased customer satisfaction.
  • Maintained up-to-date knowledge, resulting in effective product promotion.
  • Processed orders promptly ensuring a positive shopping experience for customers. Managed Handling Customer Complaints over 100 per day.
  • Enhanced communication channels through regular updates on company policies and promotions.
  • Collaborated with sales team to maximise product visibility and sales.

Education

Bachelor of Technology - Information Technology

Jawaharlal Nehru Technological University

Skills

  • Advanced MS Excel
  • Word
  • SQL
  • Database Management
  • Jira
  • Understanding of fca regulations
  • Loan review processes
  • Income statement analysis
  • Credit risk assessment
  • Cash Flow analysis
  • Credit management
  • Customer Service
  • Commercial real estate expertise
  • Customer service orientation
  • Credit exposure monitoring

Certification

  • Cybercrimes and fraud management
  • Financial Risk Manager
  • Digital Banking
  • Certificate in MSME

Languages

English
Fluent
Telugu
Fluent
Hindi
Fluent

Custom

  • Credit Risk Management, Canara Bank, 2018
  • Data Analysis & Reporting, Canara Bank, 2021
  • Project Management Workshop, Canara Bank, 2023

Affiliations

  • Painting
  • Cooking

Accomplishments

    Best Credit Analyst in 2018 and 2022

References

References available upon request.

Timeline

Credit Analyst Officer

Canara Bank
10.2015 - 11.2024

Customer service representative

Canara Bank
06.2012 - 01.2015

Bachelor of Technology - Information Technology

Jawaharlal Nehru Technological University
Devisree Anpur