Prabu Jeyarajan

Analyzed financial statements to evaluate credit requests and ensure SLA compliance.

Determined creditworthiness by examining profitability, liquidity, and relevant financial ratios.

Presented detailed loan proposals and evaluations to credit committees for review.

Conducted annual assessments of customer credit risk based on financial statement analysis.

Negotiated loan terms directly with customers to align with business objectives.

Maintained non-performing loans under 2% through diligent portfolio monitoring.

Engaged with dealers and internal teams, such as finance managers, to improve processes.

Evaluated creditworthiness of small businesses through financial statement analysis and credit bureau reviews.

Reviewed loan documentation for accuracy and completeness before approval.

Determined loan approval or denial by assessing individual and institutional credit profiles.

Identified fraudulent activities by comparing account information against established suspicious patterns.

Ensured accuracy and completeness of loan documentation prior to approval through thorough review.

Supported credit functions by performing credit analysis and administrative responsibilities.

Maintained organization by collecting necessary credit files and documents.

Delivered informative credit reports to management, highlighting key insights.

Reviewed loan applications and income statements to evaluate client creditworthiness.

Achieved 40% market share among Mercedes Benz customers through collaboration with business team.

Normalized accounts for delinquent customers, effectively reducing credit risk.

Directed Agile projects as Business Analyst, emphasizing requirements gathering and UAT execution.

Developed training programs for Sales Teams and Junior Analysts to increase cross-functional skills.

Fostered relationships with key credit bureaus: TransUnion, Experian, Equifax, and CRIF Highmark.

Appraised credit applications for auto and personal loans by reviewing income and property statements.

Served as SOX Audit Location Attestor and Head for Retail Loans across multiple locations from 2007 to 2012.

Conducted compliance audits, hind-sighting audits, and internal audits for auto loans.

Collaborated with Sales, Field Investigation agencies, Risk Containment Unit, Dealers, and Operations teams to ensure smooth process flow.