Vishnu Nair
Summary
Energetic and analytical credit professional with a strong problem-solving ability, excelling in financial analysis and risk assessment. Possessing a comprehensive understanding of credit evaluation processes and financial reporting, with a keen eye for detail and accuracy. Expertise in contributing to informed decision-making and driving organizational success.
Overview
8
8
years of professional experience
1
1
Certification
Work History
SENIOR CREDIT ANALYST/CREDIT ANALYST
Flexiti Financial
10.2021 - 08.2023
- Approved customer credit applications that fell within assigned authorized limits, and made decisions based on established company guidelines
- Approved 40-50 applications per day
- Resolved customer complaints and maintained customer satisfaction while maintaining handle time within 6.5 minutes, lower than the company average of 8 minutes
- Remained calm under escalated situations and de-escalated issues
- Assessed eligibility for limit increases, and approved/escalated based on operational guidelines
- Performed interest calculations/total dues while on the call itself
- Communicated financing terms, due dates, etc
- To customers with clarity
- Maintained good relations with team members and supervisors, acted and improved on supervisors' feedback, and received a score of 100% from QA in most assessments
- Maintained TAT for application processing within prescribed guidelines
- Qualified for performance bonus in every quarter worked
CUSTOMER RELATIONSHIP MANAGER (Manager)
Indian Bank
02.2018 - 04.2021
- Was assigned a portfolio of 33 Client accounts and acted as a single point of contact for assigned customers
- Managed and led a team of 5-10 clerks and junior managers, trained recruits in structuring credit proposals, assessing eligibility, documentation, and operations
- Worked following assigned discretionary approval limits exercising sound judgment skills and weighing risk factors
- Managed all reporting, documentation, and recordkeeping requirements for assigned accounts
- Monitored daily transaction details, overdraft limits, etc., and maintained smooth account functioning
ASSISTANT MANAGER CREDIT
Indian Bank
05.2015 - 01.2018
- Assessed various types of new term loans (Commercial vehicles, Small Scale Industry, etc.)
- Performed various complex interest and recovery-related calculations
- Verified and processed high-value transactions and adjustments with precision
- Effectively handled communication with head office and other support departments
- Performed Compliance Checks and completed documentation per the Bank's Policies and KYC/AML Guidelines
- Maintained Loan Documentation, Insurance renewals, stock registers, etc
- On paper and in various bank systems
- Resolved client complaints after understanding issues faced by them (System issues, transaction issues, technical support, etc.)
Education
International Business Management -
Seneca College of Applied Arts and Technology
North York, ON04.2021
Bachelors - Aeronautical Engineering
Noorul Islam University
Tamil Nadu, India08.2013
Skills
- Team Player
- Communication
- Customer service
- Critical Thinking
- Attention to detail
- Working Under Pressure with Strict Deadlines
- Decision-making skills
- Proficient in Microsoft Office Suite
- Loan structuring
- Credit scoring models
Personal Information
Residency: Permanent resident status in Canada
Languages
English
Full Professional
Hindi
Full Professional
Malayalam
Full Professional
Tamil
Full Professional
Affiliations
- Indian institute of banking and finance
Certification
- Junior Associate Indian Institute of Banking and Finance 2017
Timeline
SENIOR CREDIT ANALYST/CREDIT ANALYST
Flexiti Financial
10.2021 - 08.2023
CUSTOMER RELATIONSHIP MANAGER (Manager)
Indian Bank
02.2018 - 04.2021
ASSISTANT MANAGER CREDIT
Indian Bank
05.2015 - 01.2018
International Business Management -
Seneca College of Applied Arts and Technology
Bachelors - Aeronautical Engineering
Noorul Islam University
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