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Sathish B

Understanding of financial statements to enable appropriate interpretation of results.Assess income to obiligation ratios in depth knowledge to calculation of ratios.Evaluate clients creditworthiness creating credit scoring models to predict risks, approving or rejecting loan request based on creditability and potential revenue and losses.Handling working capital and Equipment Finance negotiate loan terms with business teams.Conduct personal discussion with customer to establish creditworthiness and ensure kyc documents and verficiation-telephonic and collateral visits.Maintaining credit TAT, credit appraisal and preparation of CAMMonitoring of the portfolio to ensure lower delinquency.Ensure customer visit to monitor portfolio and understanding of local market.

Key Skills

Microsoft Office
Financial Analysis
Ratio Analysis
Portfolio Management
Risk Management
Data Analytics

Professional Experience

Feb 2025
Present
Chief manager- Working Capital Credit
Indusind Bank Chennai, IN
Credit analyst - Business Banking
  • Roles and responsibilities 
  • 1.Assessing financial statement and ratio analysis 
    2.Evaluate credit worthiness 
    3.Conducting discussion with customer 
    4.Credit appraisal and preparation of CAM report 
    5.Monitoring stress and delinquency account 
    6.Sanctioning as per policy 
    7.Underwriting and understanding requirements 
  • Appraised and underwriting working capital loan ticket size upto Rs.75 million with turnover upto Rs.300 million.
  • Underwriting under CC/OD program like Financial OD, Banking Surrogate, GST Surrogate and CC Program under CGTMSE, Term loans etc.,
  • Monitoring which accounts are in stress like delinquency, exit marked, low churning and high utilisation
Jun 2023
Nov 2024
Manager - Working Capital Credit MSME and SME
CSB Bank Ltd Chennai, IN
Credit Manager - MSME
  • Roles and responsibilities 
    1.Assessing financial statement and ratio analysis 
    2.Evaluate credit worthiness 
    3.Conducting discussion with customer 
    4.Credit appraisal and preparation of CAM report 
    5.Monitoring stress and delinquency account 
    6.Sanctioning as per policy 
    7.Underwriting and understanding requirements 
  • Appraised and underwriting working capital loan ticket size upto Rs.50 million with turnover upto Rs.300 million.
  • Underwriting under OD program like Financial OD, Banking Surrogate, GST Surrogate and CC Program under CGTMSE etc.
  • Monitoring which accounts are in stress like delinquency, exit marked, low churning and high utilisation
Jul 2022
Jul 2023
Deputy Manager - Working Capital Credit SME
HDFC Bank Chennai, IN
Credit Manager - Wholesale Banking SME


  • Appraised and underwriting working capital loan ticket size upto Rs.150 million with turnover upto Rs.2500 million. Entrusted approval authorithy upto Rs.20 million.
  • Profile clients cover business model, industry risk, structure and financial risk need based assessment while finalising and closing out structure deals in timely manner.
  • Monitoring which accounts are in stress like delinquency, exit marked, low churning and high utilisation.
  • Manged in best class portfolio with robust assest quality with NPA 0.14%, nil quick mortality history, 30+ deliquencies at 0.5% portfolio.

Apr 2017
Aug 2022
Senior Officer - Finance and Accounts
Five Star Finance, Inditrade Ltd, SF Holdings Chennai, IN
Journal Voucher, Bank Payments, Branch Petty Cash, GST Entries

PF,ESI, Professional Tax Entries, Purchase Invoice, Sales Invoice

Accounts Payable, Verifying Bank Statement for Vendor Payments

Loan Payments Authorizing, MIS Report, Branch Pay-outs, Invoice raising

Fund Flow Report, Receivable Dashboards, MIS

P&L, Balance Sheet


Education

May 2018
Jan 2021
MBA General in Loyola College
Pondicherry University - DDE
May 2014
Apr 2017
B.Com (General) in Sindhi College of Arts and Science
Madras University

Certifications

2021
SAP
Udemy
2013
Master diploma in computer application
BSS Computer Centrw
2013
Tally
BSS Computer Centre
2011
Typewriting
Institute

Achievements

Well discipline student award
Got higher secondary class 12 std
Business Walk
Secured 1st prize in inter college culturals
Ad designing
Secured 3rd prize in inter college competition
College competition
Secured 2nd prize in inter collage competition

Hobbies & Interests

  • Cooking
  • Walking
  • Exercise

Languages

Tamil
(Native)
English
(Fluent)

Career Aspiration

Aspire to a position at the executive level of a company in your desired industry. These roles can be enjoyable for those who like to make decisions regarding company-wide initiatives and projects.

Get in touch with Sathish