Shruthi P.R. Email & Phone Number

Bengaluru, KA, IN

Bengaluru, Karnataka, India

• Procured high-value SME credits for the bank. Ensured exemplary customer service within the HNI credit portfolio.
• Administered the credit facilities of an assigned portfolio comprising SME customers with loan values from Rs. 50 Lakhs to Rs. 50 Crore.
• Conducted meticulous due diligence on 75+ firms & promoters, corroborating the authenticity of financial statements. Synthesized profit & loss, & balance sheet statements to compile the Credit Monitoring Arrangement.
• Calculated the internal rating for 75+ firms in accordance with bank norms & the firm's financial standing. Advocated for high-value commercial credit proposals, incorporating risk mitigation strategies.
• Overseen the preservation of asset quality & devised remedial measures for stressed assets. Facilitated liaisons with 15+ industry stalwarts for credit facilities under channel financing.
• Received the prestigious 'Gemstone' award from the Deputy General Manager in recognition of exceptional knowledge in credit matters & successful client acquisition.

Bengaluru

• Piloted a 4 members’ competent team, ensuring prompt issuance & fulfillment of Letters of Credit within the specified Turn-Around-Time (TAT).
• Spearheaded the timely resolution of workflow processes through efficient liaison with all 250 branches linked to the processing cell.
• Supervised the bill discounting department, orchestrating unobstructed discounting of bills presented against letters of credit.
• Examined & authorized all transactions correlated to letters of credit, integrating risk mitigation tactics to provide service congruent with compliance guidelines.
• Led strategic communications with other commercial banks, overseeing the reconciliation of discounted bills & Letters of Credit payments.
• Honored with the coveted 'Gemstone' award by the Assistant General Manager for steering the team & ensuring a complaint-free workflow.

Bengaluru, Karnataka, India

• Evaluated & dissected credit history, 50 financial statements, & 35 title reports, ensuring minimal delinquencies & conformance to both internal policies & external statutory norms. Promoted cross-selling to assure.
• Exercised underwriting expertise, adhering to compliance norms, thereby achieving business targets & enhance quality asset portfolio.
• Cultivated customer satisfaction through the delivery of superior service & managed the team to reduce turnaround time.
• Coordinated & administered the asset portfolio of 28 branches related to the retail asset credit center, vigilantly monitoring expired credit limits within the expiry date to assure timely renewal of limits.

Bengaluru, Karnataka, India

• Strategized, directed, & evaluated the performance of the branch's credit department.
• Expanded business relations through networking, promoted the sale of loans, investment, & other banking services, attracting both corporate & individual clientele.
• Conducted 200 interviews with corporate & individual customers, responded to customer inquiries. Managed 540 mortgage & 1300 personal loan accounts.
• Counselled 2000+ customers on commercial & personal financial services suited to the requirements. Assessed loan & credit applications & collateral, delivering informed recommendations.
• Endorsed or declined credit applications, established credit boundaries, & determined repayment schedules in accordance with authorized limits.
• Pursued the timely collection of 25+ overdue or delinquent accounts. Compiled detailed credit & loan reports.

Bangalore

• Regulated, & gauged branch operations of a bank. Distributed tasks, headed employee performance & compliance with audit & risk management policies & regulations in department activities.
• Held responsibility for cash custody & gold loan portfolio. Scrutinized & reconciled 50+ general ledger accounts & supervised End-of-Day activities.

B.Sc.(Hons), Mathematics, Gold Medalist , 4.93/5.00

Activities and Societies: Social Service, public speaking

Master Of Sciences, Applied Mathematics, 9.81/10

Senior Secondary Cbse, 95.4%

Secondary School Cbse, 95 | Anantapur District Topper