Lakshminarayana Madeti

Lakshminarayana madeti

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  • Timeline

    Nov 1985 - Apr 1999

    As Branch Manager/Manager/Assistant Manager

    various Branches
    Apr 1999 - Jun 2004

    As Manager at General Manager headed Zone controlling entire North India

    General Manager's
    Jun 2004 - Jan 2011

    Credit Management

    Indian Bank
    Dec 2005 - Oct 2007

    Branch Head

    Begum Bazaar Branch
    Feb 2011 - Jul 2012

    Chief Manager&Branch Head of Indian Bank

    at Indian Bank
    Current Company
    Jul 2012 - now

    CHIEF MANAGER, CORPORATE CREDIT

    INDIAN BANK, ZONAL OFFICE, HYDERABAD
  • About me

    CHIEF MANAGER, CORPORATE CREDIT at INDIAN BANK, ZONAL OFFICE, HYDERABAD

  • Education

    • Ignou

      -
      Diploma management
    • Ignou

      -
      Pg diploma human resources management
    • Apa university

      -
      Masters; m applied economics; sc agriculture
    • Apa university

      -
      B.sc agriculture
    • Amaa high school

      1971 - 1977
      Tenth class
  • Experience

    • Various branches

      Nov 1985 - Apr 1999
      As branch manager/manager/assistant manager

      Managed the Credit Portfolio, Financial Proposals in the Agricultural, Transport, SSI sectors as well as Non Corporate / Non Fund based proposals.Maintained recovery of impaired credit at 80%, even after implementation of the Debt Relief Scheme of the Govt. Overachieved NPA recovery targets by 150%. Also obtained recovery in Written Off Accounts.Escalated business by 300%.Shalantri Branch was adjudged as one of the best branches in the Region by Zonal Office, Hyderabad.

    • General manager's

      Apr 1999 - Jun 2004
      As manager at general manager headed zone controlling entire north india

      As Credit relationship Manager at Indian Bank, Zonal Office, Delhi-Spearheaded Credit Management, appraisal & processing of Corporate / Non Corporate Proposals (fund / non fund based) relating to Foreign Trade, Corporate Credit, Domestic Trade, Retail Finance, lending to PSUs, Structured Loans etc.Managed Credit Rating & Credit Risk Management, monitoring of Corporate Debt Restructuring (CDR) accounts; inclusive of identification of special accounts, Moody's Risk Rating Analysis etc.Assisted the branch in marketing of the bank's Credit Products.Key Proposals / Portfolios included:Punj Lloyd - Term Loan/Guarantee Limits of Rs. 350 millionOmaxe Co - Guarantee Limit of Rs. 450 millionPower Finance Corporation of India -Term loan of Rs. 1 billionHind Agro and Hind Industries - Various FB & NFB limits of Rs. 500 million. Show less

    • Indian bank

      Jun 2004 - Jan 2011

      Overseeing credit assessment, processing of proposals for the Corporate sector, processing high value proposals with perfect SWOT and Risk Analysis.Conducting Credit Rating as per Bank's policies in Proposals/Portfolios and assigning finer rates of interest chargeable as per the rating.Assessing risk profile of the Company / Customer by conducting Credit Risk Rating Analysis; conducting study of Economy, Industry, Portfolio, Peer level comparison of financials, previous trends and impact of Government Policies etc.considering potential, corporate guidelines, external parameters like competition, cost of operations, fund availability etc.Aligning resources in line with the branch targets and performance estimates.Defining budgets / financial parameters within which branch operations must be executed.Operations ManagementAdministering the entire banking operations entailing fund clearance, cash management, accounts etc. to ensure optimal service and efficiency levels.Establishing performance-oriented systems / procedures for execution of Banking operations.Evaluating banking processes & procedures to locate & alleviate possible bottlenecks / frauds.Statutory ComplianceManaging the preparation & submission of Returns & Reports to RBI in line with statutory norms.Ensuring adherence to corporate and regulatory compliances.Building and deploying various methods, standards and guidelines prescribed by Management from time to time.Conducting Compliance / Pre Release / Risk Based Internal Audits Systems in the Branch.Business DevelopmentFraming result-oriented business generation plans & policies for attainment of pre-designated Profitability / Revenue estimates.Concentrating on targeted institutional accounts and individual clients for ameliorating the business turnover levels, in comparison with competitors.Optimising customer service levels through delivery of outstanding services. Show less At Large corporate branch- Hyderabad Main.Oversaw Credit Analysis, Branch Operations, Audit and Compliance functions.Established Onsite / Offsite Audit for important accounts and recommended rectifications / reconciliation measures for decision makers at Branch and Controlling Office levels.Contributed to the Branch reaching a level of Rs. 1000 Crores from Rs. 500 Crores in 2004. Received an Appreciation Certificate from the General Manager for the same.Introduced new concepts in lending to Corporates, Channel Finance, Loan Syndication, Low / Medium Interest Swaps etc. Key Proposals / Portfolios included:Gas Based Power project for GVK Industries - Term loan of Rs. 1 billion.Coal based Power Project for Lanco Amarkantak Power - Term loan of Rs. 500 million;Lanco Mantri Technology Park - Term Loan of Rs. 1 billion.Biomass Power Project for Sainath Power Concepts - Term loan of Rs. 250 millionManufacturing of Plyboard for GVK Novopan Industries - Credit of Rs. 230 millionTheme Park for Ushakiron Movies (Ramoji Film City - the world's largest film studio, as per Guinness Book of Records) - Term loan of Rs. 610 millionCare Hospitals - Term loan of Rs. 240 million, Wockhardt Hospitals - Limits of Rs. 600 million.GVKSA Consortium Mumbai International Airport Project - Term loan of Rs. 2.50 billionIVRCL - Befasa (Spain) Consortium - Chennai Water Desalination Limited - Term loan of Rs. 500 Million. Show less

      • Credit Management

        Nov 1985 - Jan 2011
      • As Senior Manager

        Jun 2004 - Dec 2005
    • Begum bazaar branch

      Dec 2005 - Oct 2007
      Branch head

      Spearheading branch operations with a team of 16 staff members.Successfully implemented the Core Banking Package of FNS Australia / TCS for initiating the Anywhere Banking concept. Prepared the branch for Basle II compliance by Mar'07.Instrumental augmenting business of the Retail Segment of the branch.

    • At indian bank

      Feb 2011 - Jul 2012
      Chief manager&branch head of indian bank

      Heading a 250cr business branch at Chennai, Over all management of a large branch, with 20 staff members.Notable contributions across the tenure with the organization include increasing the corporate credit portfolio, monitoring of big borrowal accounts, Preparation of credit monitoring etc

    • Indian bank, zonal office, hyderabad

      Jul 2012 - now
      Chief manager, corporate credit

      APPRAISAL AND SANCTION OF HIGH VALUE CORPORATE CREDIT PROPOSALS

  • Licenses & Certifications

    • Caiib(certified associate of indian institute of bankers)

      Indian institute of banking and finance
    • Certificate rural banker

      Indian institute of banking and finance
    • Certification in kyc and aml

      Indian institute of banking and finance
    • Depository participant module

      National stock exchange, india