Jhansi Reddy

Experience

• 

  ICICI Bank

  Aug 2014 - Dec 2015

  Assistant manager

  • Annual review/renewal and fresh sourcing of Cash Credit facilities by analyzing company Balance Sheets and enhancing the limit wherever feasible.• Handled end to end process of Business Loan from sourcing to disbursal and adjusting limits month on month by calculating DP(Drawing Power) of firms based on stock statements.• Audit control parameters in both internal and external audits • Ensuring all risk across operations are appropriately assessed and managed • Divisions including Compliance, Credit, Financial Crime Risk, Regulatory Affairs and Aggregate Risk Show less

• 

  State Bank of India

  Nov 2016 - now

  •Worked on Risk Rating of Credit Proposals from all the Business verticals/all products of the Bank viz-aviz Corporate, Commercial, Retail etc.,• Decision maker for the credit proposals from various risk perspectives such as Financial Risk, Credit Risk, Operational Risk and Market Risk. • Prepared and submitted Quarterly Portfolio Review Index with respect to various Business and Risk indicators to the respective authorities. • Worked on the Digital Loan Originating System (LOS) and Retail Lending Management System (RLMS). • Assisted in Operational, Credit and Fraud Risk Management through RCSA tools. • Performing the portfolio analysis by bisecting portfolio into various data cuts and root cause analysis.• Assists in internal and external reviews including audits, regulatory requests and reviews • Preparing the Credit Appraisal Memorandum (CAM) and analyzing financial statements and preparing CMA data for carrying out Ratio Analysis.• Forecasting both Technical and Operational reasons of probable NPAs and act accordingly to avoid the asset to turn NPA in all verticals.• Forecasting and monitoring the bank’s Capital Adequacy Ratio.• Part of Internal Audit team, which analyses varies risk aspects and prepares value statements through which bank can mitigate the risk in future. • Carried out due diligence in both individual and firm accounts in fraud and credit risk aspects and recommended the credit proposals for further process.• Handled Bad debt control parameters including recovery and NPA Management• Managed Branch Banking Operations and also handled ATMs, CDMs, Lockers and analyzing the risk prone possibilities during customer operations in various cases. • Worked as a RBI Currency Chest Administrator worth of Rs.200 Cr • Involved in Bank settlement processes of NPA loans then reduction in NPA and to write-off bad debts to reduce the size of NPA. • Maintaining Loan documents and ensuring same are in force from time to time to avoid risks in legal proceedings.• Show less

  • Manager

    Feb 2023 - now

  • Credit and Operational Risk Analyst

    Nov 2016 - now

  • Deputy Manager

    Apr 2020 - Jan 2023

  • Assistant Manager

    Dec 2018 - Mar 2020

  • Probationary Officer

    Nov 2016 - Nov 2018