Mohan Reddy Yeruva
Chartered accountant
- Role
- Credit Manager at ICICI Bank
- Location
- Hyderabad, IN
- LinkedIn followers
- 500 followers
About Mohan Reddy Yeruva
A Chartered accountant working as credit manager in Secured Business loans group…
Experience
Credit Manager
Oct 2022 — Present
Job involves credit underwriting of secured business loans groupUnderwrite the loan application through approve or reject loan requests.Conducted comprehensive analysis of credit proposals, including understanding business operations, analysis of financial statements, Bank statements, and commercial & individual Bureau Reports to evaluate the creditworthiness of entities.Personal Discussions with clients and visiting premises to understand Promoters and Business background, processes undertaken, working capital cycle, Debt to Equity Banking to turnover, Net worth, ATNW, EBITDA margins, DSCR, other key important ratios, and net working capital requirements.Prepared Credit assessment memorandum (CAM) and presented the proposals to management to facilitate quick and successful loan sanctions by ensuring adherence to the terms and conditions of each lender.Analysis of Banking relates to Credit summations, Routing, Overdrawing days, Interest delays, Utilization, Cheque bounce, Track.Detailed Analysis of Collateral property offered by BorrowerPosition is related to working on giving sanction of Credit facilities such as OD, CC, DLOD,Term Loans, LC/BG, etc, to corporate and individuals, MSME customers for Fresh, Enhancement, and Renewal casesVetting of sanctioned cases for smooth functioning disbursement.Monitored the end-to-end borrower journey from proposal receipt to loan disbursement and periodic reviews of future churns to track satisfactory repayment track for effective portfolio managementReviewing AUW, Pending compliances, NPA, and following up with clients regarding RBI guidelinesTimely amending the Credit policies and risk matrix models as per industry analysisIndustries covered are Manufacturing sectors, Wholesale and retail sectors, Pharmacy sectors, Infrastructure sectors, Logistics.
Education
The Institute of Chartered Accountants of India
Chartered accountant
2014 — 2022
Kakatiya University, Warangal
Bachelor of Commerce - BCom
2015 — 2017
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