Name: CMA SIVA SHANKAR K Cell: +918143165641

Email: [email protected]

CAREER ABSTRACT:

 A competent professional with overall 9 + years of experience in Banking, Audit and Finance.

 Analyzed Customer data, documentation, sanction & disbursement of loans/ credit facilities,
delinquent analysis in order to determine client risk profiles.

 Capabilities in coordinating with internal/external customer for running successful business

operations and experience of implementing procedures and service standards experience in business
growth.

 Highly motivated, results oriented professional experience, proven track record of consistency
meetingand exceeding company goals & objectives.

 Ability to lead motivate Associates, tuned to fast paced environment.

EDUCATION:

 Qualified Cost & Management Accountant (CMA) in the year 2017

 Semi Qualified CA (completed IPCC) in the year 2016

 Completed B. Com from Acharya Nagarjuna University in the year 2013

 Completed intermediate from Board of Intermediate Education in the year 2010

 Completed 10th Class (SSC) from Board of Secondary Education in the year 2008

WORK EXPERIENCE:

 U GRO Capital Limited – Area Credit Manager - (Business Loans) Telangana & Andhra
Pradesh – 1Year (Sept 23 to Till now).

 Working as Area Credit Manager for Telangana and Andhra Pradesh.

 Handling Unsecured Business loans for Telangana and Andhra Pradesh Region, built a strong
productive team and leading 5 professional Credit Managers ( Hyderabad- 3, Vizag-1 & Vijayawada-1)
by hiring, training and motivating etc..
  Credit Underwriting of Unsecured Business Loans and Self-Employed Professional Loans.

 Checking the files with respect of to all Credit parameters (As per policy), Understanding the
profiles, Financials, Income related documents, Business stability proofs, KYC’s etc. & Firing Filed
Investigation, RCU checks and other necessary verifications.

 Visits Office/Business premises of Customer to confirm the Nature of Business and Activity.
Assessing Customer Credit Worthiness against Bank policy, Calculating Loan Eligibility for all
Business Loan and decision the case.

 Ensuring all Files to Process with Quality and within TAT, Maintaining Proper Information Relating
toPending and Sanction Files.

 Handling all types of programs like SEPL- Gross receipts, Cash profit & BIL – Net profit program,
Banking Surrogates program, GST Surrogate program and OD/CC Surrogate program.

 Coordinating with Business teams/ Credit Managers/ CPV Agency for smooth and better process
in day to day operations.

 Maintaining Healthy Approval rates and Handles ticket size up to 50 lakhs with low audit errors
andmanaging the TAT.

 Various Ratio Analysis in Case of High Ticket size Business Loan Cases (Financial analysis, DSCR,
Currentratio, Leverage ratio & other cash flow analysis)

 Updating collections status and follow up delinquent customers like bucket X and X1 to resolve
issues ofcustomers to maintain good portfolio of location.

 Having CAD limits of up to 25 lakhs direct sanction and up to 50 lakhs PD authority & Clarifying
internal &external Audit queries and Co-lender queries etc..

 Process files as per policy – Login to Disbursement.

 Vendor Management- Onboarding new FI vendors and managing existing vendors- visiting to take
the review every month & ESG Survey of existing customers.

 Publishing MIS – CMs productivity, TAT, approval % and reject analysis.

Other Job Knowledge & Experience:

 IDFC First Bank - Credit Manager - (Business Loans) Hyderabad Hub :- 2.6 years ( From April
2021 to Sept 2023)
 HDFC Bank - Credit Manager - (Business Loans) Hyderabad Hub :- 2.6 years (From Nov 2018
to April 2021)
  NCL Alltek & Seccolor Ltd - Management Trainee (Finance & Taxation) Hyderabad 6 months
(From May 2018 to Oct 2018)

 RSPKR & Associates, Chartered accountants - Article Assistant: - 3 years ( From Sep 2014 to
Aug2017)

COMMUNICATION & TECHNOLOGY TRAINING:

 15 days of training in General Management & Communication Skills Course conducted by ICAI,
Hyderabad.
 20 days of Advanced Information Technology Training conducted by ICAI, Hyd.
 15 days of training in Information Technology Training course conducted by ICAI, Hyd.
 7 days of Orientation Programme conducted by ICAI.

TECHNICAL SKILLS:

 Working knowledge of MS-Office.

 Well versed with Tally ERP 9.0
 Focus.
 Banking Software like Dops , LOS, SFDC, Laser Soft, Finn one, Flex Cube etc.

HOBBIES:

 Playing Shuttle
 Listening to music & watching movies.
 Playing cricket

PERSONAL DETAIILS:

 Full Name : Kommireddi Siva Shankar

 Father : K. Rama Krishna
 Marital Status : Married
 DOB : 12-04-1993
 Nationality : Indian
 Languages Known : English, Telugu and Hindi.
 Permanent address: Magam Village, Inavilli mandal, Amalapuram Taluka.
Dr. B R Ambedkar Konaseema district. Andhra
Pradesh PIN No- 533577.

I hereby declare that the details stated above are true and authentic to the best of my knowledge andbelief.
Place: Hyderabad. Signature
Date: (Kommireddi Siva Shankar)