Gurumurthy Viswanathan Email & Phone Number

Masqaţ, Oman

Muscat Governorate, Oman

Credit and Loan AdministrationSupervising approval of loan proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning loans, ensuring compliance with credit policies of the organization and statutory guidelines. Handling post approval activities relating to the terms of sanction, loan rescheduling, managing collaterals, and reviewing solvency status.Verifying Terms and conditions and incorporating necessary covenants to mitigate risk.Conducting Credit Analysis of top up products.Booking Good Credit Tested Customers.Meeting customers to understand business model and their requirements.Business Development Implementing competent strategies with a view to penetrate new accounts and expand existing ones for financial products / services.Providing Inputs for modification in existing policies to reduce TAT.Ensuring speedy resolution of internal customer's queries to maximize satisfaction levels.AuditingSupervising the planning and management of, Statutory and Tax Audits of Corporate Clients within time and cost budgets.Evaluating internal control systems / procedures of Clients, preparing audit reports with a view to highlight shortcomings and implement necessary recommendations.Organisational ExposureSTANDARD CHARTERED BANK - SME Credit; for Chennai and CoimbatoreManage a team of 2 people.Sanctioning power upto USD 1,750,000/-Undertaking credit analysis and recommending to appropriate authority if beyond my CAD.Monitoring of covenants and taking appropriate actions.Monitoring of Delinquent account and taking appropriate actions.Managing vendor relating to Legal, Valuation, Audit etc

Evaluating credit proposals relating to Auto, Wearing Apparel, Infrastructure, Pharma, IT & ITES, Gems and Jewellery and other Sectors.Analysing credit risk and business risk in the proposal and giving recommendations.Rating proposals with exposure of more than Rs. 50 million.Checking compliance with Internal and Statutory guidelines.Assisting Solution Mangers in structuring the deal.Exposure to various banking products like Term Loan, CC, OD, LC, BG,ECB, Buyers credit Derivatives, CMS etc.Undertaking Industry tracking initiatives involving updating latest happenings, movement of prices etc.Conducts training in IFMR for new recruits of ICICI Bank covering Financial and cash flow analysis, Credit Analysis and Industry Analysis.Training new members of the team and other groups on policies and credit appraisal.Accomplishments:Manage portfolio relating to SME business of Chennai and Coimbatore.Gave valuable suggestions towards process re-engineering effort undertaken to reduce TAT.Part of the team that undertook process study for mortgages unit and provided inputs for process change.Handled a special assignment of studying the SME Portfolio of Singapore/Malaysia Created a spreadsheet automating the entire terms and conditions involving Macros, formulas and other functions with the objective of reducing TAT and errors.Handled clients like GV Cotton, Cameo Corporate Services, Adyar Anandha Bhavan, Bill Forge, Ramky Enviro Engineers, CTP Suprajit Engineering, Crystal Knitters, Nathella etc.Gave suggestions to modify the norms under the programme including change in assessment, financial parameters to bring more clients under the portfolio.Prepared a report on Power Sector situation in India and prospects for SMEs in the related sector.Prepared various presentations on program lending, Basel II etc.

Role:Handling many well known clients of the firm; Private Limited.Leading multiple teams for independently carrying out various audits like Bank Audits, Insurance Company Audits, Statutory Audits, and Tax Audits.Accomplishments:Gained excellent experience in Accounting and Corporate Finance through preparation of financial statements, financial projections, Investment and Tax consulting for corporate clients.Appreciated by the management for on time quality audits.Leading a team of 3 - 5 people depending on size of the assignment.Advised the clients on saving tax under MAT.Detected a wrong deduction claimed in the earlier year under IT Act and submitted revised workings.

General Management Program, Business Administration And Management, General

Post Graduate Program In Business Analytics And Business Intelligence, Analytics

Master'S Degree, Finance

Ca, Ca

Activities and Societies: AuditFirst attempt CA and Rank holding in CA(Inter)