Abhinav Kumar

Deputy Manager @City Union Bank Ltd

Hyderabad, IN

Executed credit appraisal and financial analysis for corporate, SME, and retail lending proposals with exposure up to ₹7.50 Cr, ensuring an accurate risk-return assessment. Evaluated and recommended 180 credit proposals worth more than ₹100 crore, maintaining a 75% approval success rate. Implemented portfolio monitoring and early warning signals, reducing delinquency by 15% and preventing ₹5 Cr from slipping into NPA. Reduced the turnaround time for the loan appraisal process by 25% through efficient analysis and automation. Collaborated cross-functionally with risk, legal, and operations teams to ensure seamless loan processing and strict adherence to regulatory norms, including credit policy and RBI guidelines. Prepared and presented MIS reports, credit monitoring dashboards, and risk summaries to senior management for informed decision-making Conducted collateral valuation and security verification, reducing unsecured exposure risk by 12%. Developed strong understanding of varied business models and their associated credit risks Recognized by senior management for preparing excellent CAM report.