CREDIT ANALYST

CURRICULUM VITAE

VENNELA G

*-****************@*****.***

Ph. no: +91-732*******

OBJECTIVE

To achieve high carrier growth through a continuous learning process and keep myself dynamic, visionary and competitive with the changing scenario of the world. PERSONAL TRAITS

• A Team player, continuous learner and proactive to take initiatives.

• Analytical mind to identify problems and implement effective solution.

• Positive attitude, hardworking and ability to work at any circumstances. WORK EXPERIENCE

Organization : Oracle

Duration : Feb 2020 to till date

Designation : Financial and credit analyst

Organization : Alternative Business Intelligence Pvt Ltd. Duration : Oct 2018 to Jan 2020

Designation : Financial and credit Analyst.

SIGNIFICANT ROLE IN ORACLE:

• PERIODIC REVIEW - Credit team will review the Customer’s Financials (that is Balance sheet, Profit & Loss account and Cash Flow statement), Payment behaviour (WADPL), Total Business done in 12 and 24 months periodically (once in 12or 6 months) and revise the customer credit line accordingly for smooth flow of business.

• Credit Hold & Credit Release

• Legal Entity Check

• Order Hold & Contract Hold

• Risk Classification

• Customer Type

• Financial statement Analysis

• Non-Standard Payment Terms

• RADAR & I-Project deals

• Credit E-Mail queue and respond to requests

ROLES AND RESPONSIBILITIES IN ORACLE

• Establishing Credit Worthiness by performing a Credit Check on the customer.

• Credit approving orders above the local country approval thresholds for certain order types.

• Assign Credit Limits for established Customers

• Placing the customer on Credit Hold and releasing the customer from Credit Hold according to the payment behaviour with the Oracle.

• Performing the legal entity check.

• Releasing the Order hold & Contract hold after revisiting the credit line of the customer

• Reviewing the requests for Non-standard payment terms. Analyse the business justification to approve or Reject the request for both Transactional level and Customer level

• To approve consulting deals using I-Project deal tool.

• Using RADAR tool sales and collections team submit Requests. Credits take appropriate decision to close the request.

• Manage credit email queue and respond to requests within SLA

• Review financial statements and analyse sales revenues, costs, expenses, current assets & liabilities for all customers across the Organisation.

• Comparison of customer’s past performance to the present performance

• Prepare recommendations based on business analysis to set up appropriate credit line on the account.

• Verify and take right action on customer which are filed for bankruptcy and legal issue.

• Work with internal stakeholders’ i.e Sales, Order Booking, Cash Applications, Revenue Recognition, Tax, Collection and Account Receivables to resolve all disputes raised by the customers (Credit memo/Refund/Credit memo rebill)

• Responding to all queries, both from Internal and external customers in timely manner per the agreed turnaround time

SIGNIFICANT ROLE AT ABIPL

• Headed FLA Back Process.

• Undertaken responsible for E2E Process (Credit assessment to FSA). ROLES & RESPONSIBILITIES IN ABIPL

• Responsible to conduct a thorough Credit assessment for all the applications.

• Communicating with the Team leader regarding issues or escalations about the process.

• Responsible for FLA Back Process.

• Undertaking responsibility for doing QC’s to all the applications.

• Conducting banking assessment & sales trend for latest 6 months.

• Scrutinizing & Analysis of Financial statements in order to know whether business is trading under profit or not & able to meet its business commitments.

• Classifications of Financial statement items under its respective heads.

• Perform thorough audits on all FS’s.

• Interpretation & Analysis of key heads of FS’s viz Revenue, Gross & Net Profits, Liquidity, Debit – Equity Etc.

• Having a sound knowledge on Banking assessment as well as Commercial Lending.

• Preparing immediate preceding 3 years of FS’s & comparing business revenue along with its profits.

• Satisfy the customers by ensuring the process quality and enhancing them through CRM.

• Conduct the Training program to new employees.

• Responsible to complete & move all the applications within given TAT.

• Identifying methodologies for continual process improvements. ACHIEVEMENTS

• I am the first person to come out of QC from all the process (E2E).

• Undertaken FLA Back Process completely under control.

• Being possessed a complete knowledge on process, which enabled me to take control over the critical & challenging situations and also helped to solve it in an efficient manner.

CERTIFICATION

• SAP FICO

SKILLS

HAVING KNOWLEDGE ON:

• Lending & Underwriting Guidelines

• Credit & Income Analysis

• Cash-Flow Analysis

• Risk Assessment

• Loan-to-Value Ratios

• Debt-to-Income Ratios

• Loan Closing, Funding & Documentation

• MS Office ( MS Excel, MS PowerPoint, MS Outlook, MS Word ). SOFTWARES USED IN PROCESS

• Salesforce (CRM)

• Oracle Applications

EDUCATIONAL QULIFICATION

PERSONAL DETAILS

COURSE

YEAR OF

PASSING

BOARD OF STUDY

INSTITUTION NAME

PERCENTAGE

MBA

2020

S V University

Wings B School

Yet to get

B.com

2018

S V University

ATNs degree college

76

Intermedia

-te

2015

IPE

Gitam Jr College

93

SSC

2013

SSC

SVCHS

95

Father’s name : SUBRAMANYAM RAJU G

Date of birth : 23.06.1998

Gender : Female

Marital status : Single

Nationality : Indian

Languages known : English & Telugu

DECLARATION

I hereby declare that all the above furnished information is true to the best of my knowledge. Date:

Place: Bangalore (Vennela G)

Contact this candidate