Krishna Murthi Email & Phone Number

Federal Territory Of Kuala Lumpur, Malaysia

Group Credit Management Role - Head, Watchlist Credit Evaluation. Involved in the management of early problematic and accounts with specific red-flags (AST/MST triggers) that warrant close & continuous monitoring. This involves identifying additional red-flags indicating deterioration in quality of loan accounts based on trigger checklist and recommending appropriate remedial action(s). Work closely with Business Units to implement strategies to rehabilitate the problematic accounts which may result in rescheduling, restructuring or “exit” strategies.  Independently appraise and evaluate commercial and wholesale credit proposals under various industries from originators for respective approving authorities or approve within DLA granted. Attend meetings with Business Units to review or revise strategies adopted for selected accounts.  Also involved in updating and redefining relevant guidelines from time to time, to better identify, monitor and resolve such accounts. Conduct post mortem report for impaired cases – for update to Group Credit Committee. Holds Discretionary Power (DP) for approving Wholesale/Commercial and SME loans (both covering Conventional & Islamic loans)

Jalan Tun Razak, Kl

Group Credit Management Credit Analyst (04/2008 - 12/2013) Regional Credit Manager (01/2014 - 12/2019)Area of Responsibilities Evaluate credit applications (new, additional, variations, review & other ad-hoc requests), make appropriate decision (approve, decline , etc) and recommendations to the bank’s respective approving authorities. Also approve cases within DLA granted. Experience encompasses evaluation of credit applications (Corporate, Wholesale, SME/Commercial, ABF/HP, etc) from business centers throughout Malaysia covering various industries. Maintain close relationship with business centres to be sentient to current business position/outlook and obtain feedback from the same on clients’ future business plans such as expansion, diversification, and new projects to strategise appropriately on the accounts. Monitor and review accounts for purpose of renewal, reschedule & restructure and make appropriate decision and recommendations (including limit reduction, capping etc) to the approving authorities. Analyse industry risks, business and financial risks in recommending or rejecting credit proposals from originators. Ensure compliance with the Bank’s policies and procedures as well as relevant statutory provisions by Bank Negara Malaysia and Association of Banks Malaysia. Holds Discretionary Power (DP) for approving Corporate, Commercial and SME loans (both covering Conventional & Islamic loans).

Kuala Lumpur

Responsibilities Management of delinquent accounts;  Post mortem review of new NPL accounts; Attending lenders meetings, negotiations & discussions with Financial Advisors, Receivers & Managers, Trustees, Investment Bankers etc; Play pertinent role in working out solutions for problematic accounts; Conduct site visits to identify customers' business affairs for purpose of justifying requests for restructuring or rescheduling; Analyze financial statements to establish Borrowers' financial strengths for purpose of restructuring/rescheduling and additional fundings; Evaluate borrowers' requests, preparing relevant proposals and presenting the same for Management's consideration; Engage in active negotiations and moot necessary legal actions to recover problematic/bad loans; Instruct & liaise with solicitors, perusing affidavits, summons and attending court hearings (where necessary) etc in relation to accounts under legal actions; andInstrumental in setting up PDS Section for the Bank & responsible for management of debt & equity instruments received from conversion of problematic loans - fairly experienced and have in-depth and hands on knowledge in this area.Type of instruments comprise of Ordinary Shares, Warrants, Preference Shares (ICPS, RCPS, CRPS, RCCPS, RPS), Notes (RCSN), Loans Stocks (ICULS, RCSLS, RCULS, RESLS, REULS, RSLS, RULS etc) & Bonds (secured, unsecured, guaranteed & zero coupon).

Prai & Kl

Bank Utama Berhad, Prai (Branch)Feb 1997 - Feb 1999Area of Responsibilities – Marketing, Credit Evaluation & Loan Recovery Marketing and processing of commercial, SMIs and retail loans. Scopes include identifying potential customers, looking into their financial requirements and working-out suitable credit package(s); Periodic review of accounts. Financial analysis and evaluation for loan assessment/approval/review/restructuring/rescheduling;  Loan documentation & administration; Management of problematic loans i.e potential non-performing loans, non-performing loans and watch list accounts; and Initiate proactive strategies/actions to avoid delinquency of accounts and commence appropriate recovery actions including negotiations to ensure early recovery of problematic loans.Bank Utama Berhad, Kuala Lumpur March 1999- Jan 2005Loan Recovery DepartmentResponsibilities Manage a group of both secured & unsecured problematic loans comprise of corporate & commercial, SMIs and retail accounts; Attend lenders meetings, negotiations & discussions with customers and relevant parties i.e Bank Negara Malaysia, Danaharta, Financial Advisors etc; Involve in formulation of Debt Restructuring Schemes/Scheme of Arrangements; Conduct site visits to identify customers' business affairs; Analyze financial statements (annual reports, management accounts etc) to establish financial strengths for purpose of restructuring/rescheduling and additional funding; Evaluate borrowers' proposals and submitting requests for Management's consideration; Engage in active negotiations and moot legal actions to recover problematic/bad loans; Also involve in appointment of Receiver & Manager, Real Estate Agents, Auctioneers etc; and Instruct & liaise with solicitors, perusing affidavits, summons and attending court hearings etc in relation to accounts under legal actions.

Bachelor Of Business Administration (B.B.A.), Finance, 3.00

Certified Credit Professional (Part A & B)

Credit Skills Assessment Exam