Krishnamurthy V Email & Phone Number

Oslo, No

Warsaw, Mazowieckie, Poland

• Have been part of European Loan Operations team• Worked on Flexcube application • Investigated of overdue Past Dues & the Cash breaks• Analyzed the aging unapplied Funds• Cleared the long aging breaks• Managing different kinds of Fee Payments• Posting the journal Entries• Preparation of Reports related to Overdue & Cash breaks• Handling the breaks related to Balance Sheet Exceptions report• Involved in the Loan IQ implementation projects• Involved in the Loan IQ UAT Testing• Provided Loan IQ Demos on various transactions

Bengaluru, Karnataka, India

• Subject Matter Expert for the Finastra Loan IQ & Loan Syndication (Loan IQ COE Team)• Worked on RFPs.• Acted as Lead SME for the Loan IQ end to end Implementation for a Japanese Bank project. • Travelled to Japan to attend the Business Process Alignment (BPA) workshops conducted by Finastra• Reviewed the Business Requirement Document• Providing Loan IQ demos to the Client & IBM Japan team• Trained the IBM Japan team on few Loan IQ functions• Mapped & Validated the Loan IQ Capabilities against the Client's requirements• Provided Fit Evidence from the Loan IQ for every Requirement• Documenting the Mandatory Fields & Tabs for all the Loan IQ notebooks including Customer, Deal, Facility, Outstandings, Payments & Fees, etc• Reviewed the Finastra's Pre IAT Test Evidences and raised the Issues or Gaps• Creating Test Scenarios & Scripts for IAT Testing• Did perform IAT Testing in Loan IQ against the requirements• Worked with Business Analyst, IT & Testing teams.

Bengaluru Area, India

• Subject Matter Expert (Functional) of Finastra Product LoanIQ and Loan Syndication Operations including Loan Administration & Loan Secondary Trading activities.• Managing the Loan IQ COE team across US, India, Belgium, Sweden & Netherlands who are working on Loan IQ projects.• Working on Loan IQ Implementation, Loan IQ Conversion & Enhancement projects. Experience in working for Loan IQ Upgrade projects: -• Have worked on Loan IQ Upgrade projects for 7.5.1.3, 7.5.1.5 & 7.6.1.0 versions on multiple HFs.• Reviewing the Loan IQ Release Notes for different versions• Documenting the Functional & Technical Changes from the Release NotesExperienced resource worked in all areas of SDLC: - • Reviewing BRD (Business Requirement Document)• Preparing Functional System Design / Solution Design Document• Setting up review meetings on BRD & FSD with Business Analyst, QA & Dev team, Stake Holders to present the Solution Design document• Creating Insert scripts (SQL) to insert the Code Tables in the Table Maintenance for branch implementation• Code Tables insertion in DEV, SIT, UAT & Production Environments for the Branches.• Performing API Testing. Helping in SIT & UAT Testing• Trained 8 experienced staffs on the product & domain.• Work on RFPs for the new client’s requirement and provided solutions.Stake holder management / Team handling: -• Work with the Account Team to understand the project & resources requirements• Resource Management for Loan IQ COE team• Have travelled to Finland to provide a Solution for a client• Worked with the Learning & Development team and created Videos for Loan IQ Functional modules & transactions

Bengaluru Area, India

• Managing the Loan Servicing & Loan Trading team for European region• Responsible for Loan Drawdown/Borrowings, Rollovers/Repricing, Principle, Interest & Fee payments, Loan Trading, Breaks Management.• Pricing Letters and Secondary Trades settlements• Have reduced the number of cash breaks >30 days to less than 15 numbers in 2018 (1st & 2nd Quarter) • Identifying the risk areas and introducing the necessary controls in place to avoid any misses or errors. Reviewing the Key Operating Procedures and KPIs for the team.• Process Automations• Identifying the process efficiencies to standardize & improvise the process• Working with the Project team, Support & development team to identify the process improvements and deliver the same• Reviewing the aging breaks under Past Dues, Negative Cycles & unapplied funds and escalating with onshore team to resolve the same.• Conduct daily stand-up meetings, weekly team meetings and one on ones• Responsible for the quality of work and ensure high standards are met within the process.• Setting the Objectives for the year & managing the performance management cycle for the team. • Rewards and Recognition.

Bangalore

Worked as a Functional Consultant Loan IQ Product & Loan Syndication.Have handled the issues related Loan Repayment Schedule, Wizard, Escrow Functionality, Billing, Late Charges. Pricing Changes, Past Due, Unpaid, etc.> Investigating the cases and testing the same in the customer environments with multiple scenarios.Testing of new functionality and testing enhancements on Loan IQ.> Provide solutions and workarounds to the clients by doing the tests on Client environments to resolve Client issues.> Re-test of the functionality after the de-bugging/fixing of issue by development team.> Investigating and finding out why the customer is not able to process the transactions and see whether he does any errors functionally or technically> Testing of Patches and Enhancements build by the Development team as per customer requirements > Testing of Patches build by the Development team as per customer requirements.> Providing accurate information to the Development team, in order to allow them to correct the software > Documenting known issues and solutions and ensuring adequate internal communication of problem resolutions. Conveying customer feedback to management.Have got an exposure towards:-> Deal Primary & Secondary Trades> Outstandings> Payments> Guarantees/SBLC> Facility & Loan Repayment Schedule> Escrow> Portfolio> Accounting> Wizard> Escrow Functionality> Billing> Late Charges> Pricing & Conversions> Past Due Pricing> Interest Capitalization> Payment in Kind> FATCA

Bangalore

• Handling UK process - Loan Syndication• Responsible for Loan Drawdown, Rollovers/Repricing, Principal, Interest & Fee payments which is handled out of UK Loans.• Investigation of Past Dues items for Principal, Interest & Fees & the Nostro breaks• Analysis of the Negative Cycle Dues for the Interest & Fees and clearing the same• Analysis of the Partial Past Due items and see whether the balances and rates were corrected before the payments• Has been part of some of Projects in UK & US teams.• Have brought some of the controls in place to prevent errors and misses. This has helped the quality of the process.• Providing trainings to the UK & US Loan Operations team to create SMEs• Had been to London and did a transition successfully.• Maintenance of Report, to track the % of increase or decrease in volumes, errors or delay, etc. • Creation of Capacity Models to understand the utilization of the resources within the team.

Bangalore

Worked as a Functional Consultant Loan IQ Product & Loan Syndication. Has an exposure towards Deal Primary & Secondary Trades, Borrowings, Rollover, Repricing & Conversion, Loan Principal & Interest Payments, LC & Fee payments. Loan Repayment Schedule, Wizard, Escrow Functionality, Billing, Late Charges. Pricing Changes, etc.Investigating the cases and testing the same in the customer environments with multiple scenarios.Testing of new functionality and testing enhancements on Loan IQ.Provide solutions and workarounds to the clients by doing the tests on Client environments to resolve Client issues.Re-test of the functionality after the de-bugging/fixing of issue by development team.Investigating and finding out why the customer is not able to process the transactions and see whether he does any errors functionally or technicallyTesting of Patches and Enhancements build by the Development team as per customer requirements Testing of Patches build by the Development team as per customer requirements.Providing accurate information to the Development team, in order to allow them to correct the software Documenting known issues and solutions and ensuring adequate internal communication of problem resolutions. Conveying customer feedback to management.

Chennai

Static Data/Client Admin & Business Revenues DepartmentInitial Setup of Client Accounts, Cash Account & Nostro Creation of Securities & Safekeeping Accounts Setup, Creation of International Securities Identification NumbersApproval of Client creation in EBR & creation of Base ProductsLinkage of Safekeeping, Settlement & Money Transfer Accounts.Reconciliation of Volumes Not Billed Reports & Repairs transactions.Forex Rates Updation as of month endValidation of Manual Invoice generation for Singapore GC clientsReconciliation of Suspense Accounts and Clearing breaksReconciliation of Sub Custodian Invoices for the other branches.Validation of Entries posted to the P&L A/cValidation of the entries for debiting the LCC & GCC Client’s Cash Account.Preparation of Monthly Reports for France & Finance.Preparation of Monthly Reports for Hong Kong & Singapore for both LCC & GCC clients

Worked in the US Loan Syndication Department. Handled Approval of US Loans (Drawdowns, Repricing, Rollovers & Conversions) & Payments. Investigations of Nostro breaks and reduction of those items.Monitored Loan Past dues & Fee past dues on daily basis. Investigated all the items and clearing the same.Investigations & Reconciliations of Account Receivables & Payables, Unapplied Funds in Suspense Accounts and Payments which are not done. (Applications used was Loan IQ)Creation of Pricing in the Facility like LC Fee set up, Utilized Fee setup & Unutilized Fee set ups. Handled Pricing changes based S&P and Moody's. Handled MIS for 10 departments.Weekly MIS which shows all the departments VolumesMonthly MIS shich shows all the departments Increase & Decrease in the Volumes, Errors & BreaksCalculation of Capacity Utilisation for all the departments on Monthly basis

Worked for Loans Syndication department (Applications used was Loan IQ). Drawdowns, Repricing, Rollovers & Conversions of Corporate LoansQuartely Payments for Prime Rate Interest, LC & Unutilzed Fees. Creation of Pricing in the Facility like LC Fee, Utilized Fee & Unutilized Fee.Was taking care of Pricing changes based S&P and Moody's. (Applications used was Loan IQ)Handled the mismatches of all the payments where the accruals will not match in our system comparing what we receive from the Agent Banks & the Customers.LC Balances Correction based on the Agent's Bank calculation

Worked in the Credit & Operations Department for Auto Loans, Personal Loans & Home Loans. In Auto & Personal Loans continuously for 1.5 years, our branch was Ranking 1 to 3 in Pan India for our Credit Works.Did the Credit Appraisals of the CustomersAnalysed the Repaying Capacity of the CustomersCalculated the Income of the Customers, Parntership, Public & Private Limited CompaniesChecked the Repayment Track records of the previous loans.Was Finding out whether the Customer is a defaulter in the previous Loans or any other Credit CardsDid the Dedupe Test to find out whether the Customer had any bad Credit History before.Approved the Loans once the Customer satisfy the above conditions.Preparation of CCAU Pack (Central Credit Authorising Unit) MIS which gives the total picture of our Credit Unit. This Pack contains the Approval, Rejection, No. of Defaulter in Business & Bank Statement Verification, Pay-Slips & ITR Verifiation.Maintainence of RC Tracker which gives how many Auto Loans disturbed and how many RCs collected.