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Teja Anil Kumar Reddy

Maddireddy
Experienced Banker(Credit & Operations)
Address Bangalore, KA, 560045
Phone +91 9884128769
E-mail anilm768@gmail.com

Experienced Corporate Banker with over 7 years of experience in Commercial Banking. Excellent
reputation for resolving problems, improving customer satisfaction, and driving overall operational
improvements.

Skills
Certification in JAIIB, CAIIB, Corporate Banking (Indian Institute of Banking and Finance).

Certified Credit Officer(Indian Institute of Banking and Finance)

Good in communication and fluent in English

Balance sheet Analysis

Knowledge on Trade and Forex

Credit and Financial Analysis

Quick learner

Adapting to new areas inside the Company

Knowledge on Branch operations

Knowledge of Documentation

Due diligence Expert

Thorough understanding of Fixed and Overhead Expenses of the Companies while funding

Good Liaison with various stakeholders of the Company

Have knowledge of various Industries like Healthcare,Telecom,Steel,Gems and Jewellery,Media

and Entertaintment, E- Commerce,Printing,Plastic,Packaging,Aerospace etc

Work History
Mar 2020 - Senior Manager Risk
Current Siemens Financial Services
Part of Credit & Risk Team at Siemens
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▪ Actively underwrite credit request of 5 no's per week.

▪ Preparation of indicative term sheet for preliminary discussions, meeting customers
to understand requirements, credit appraisal, financial analysis, circulation of internal
credit proposals, and presentation to the internal stakeholders.
▪ Financial Analysis - balance sheet analysis, risks and mitigants, company's business
model, industry positioning etc.
▪ Review of the facilities including post disbursement monitoring, covenant tracking,
exception/deviation management, routine monitoring of credit profiles of customers
by way of quarterly reports or updates.
▪ First point of contact for day-to-day service issues, liaising with operational teams to
facilitate effective customer service.

Jan 2019 -Senior Manager-Credit and Sales

Mar 2020 Yes Bank Limited
• Emerging Corporate Jan 2019 -Mar 2020 Banking Part of Mid and Large Corporate
Banking Group(Turnover INR 500 Cr- INR 2500 Cr)- Emerging Corporate Banking at
Yes Bank handling clients in the Manufacturing, Trading and Service related
Companies across various industries like Gems and Jewellery, Media and
Entertainment, Aerospace, Defence, Food and Agri, Steel, Telecom, Auto etc~ 30+
clients with a loan portfolio of INR 250 Crores.
• Involved in pre and post sanction activities - due diligence of the proposals, credit
appraisal, financial analysis, circulation of internal credit proposals.
• Experienced in documentation including liaising with Panel Advocates,Panel
Valuers, client, other lenders (in case of consortium and Multiple banking facilities)
and internal teams for closure of documentation.
• Financial Analysis of potential and existing clients including balance sheet and
peer analysis, risks and mitigants, business model of the company along with
industry positioning and outlook.
• Periodic review of the facilities, routine monitoring of credit profiles of customers by
way of quarterly reports, covenant tracking, exception and deviation
management.

Jan 2017 - Axis Bank Limited

Jan 2019 Manager Credit - Small and Medium Enterprises
• Part of Corporate team at Axis Bank supporting clients with revenues of INR 10 Cr
to INR 250 Cr.
• Actively manage around 150 clients quarterly in varied industries.
• Preparation of indicative term sheet for preliminary discussions, meeting customers
to understand requirements, credit appraisal, financial analysis, circulation of
internal credit proposals, and presentation to the internal stakeholders.
• Financial Analysis - balance sheet analysis, risks and mitigants, company's business
model, industry positioning etc.
• Review of the facilities including post disbursement monitoring, covenant tracking,
exception/deviation management, routine monitoring of credit profiles of
customers by way of quarterly reports or updates.
• First point of contact for day-to-day service issues, liaising with operational teams
to facilitate effective customer service.
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Apr 2013 - Operations and Credit

Aug 2016 Karur Vysya Bank
• Part of Corporate Banking team at KVB supporting clients with revenues in excess
of INR 10 Cr to INR 250 Cr.
• Own and actively manage around 50 clients in varied industries.
• Preparation of indicative term sheet for preliminary discussions, meeting customers
to understand requirements, credit appraisal, financial analysis, circulation of
internal credit proposals, and presentation to the internal stakeholders.
• Financial Analysis - balance sheet analysis, risks and mitigants, company's business
model, industry positioning etc.
• Review of the facilities including post disbursement monitoring, covenant tracking,
exception/deviation management, routine monitoring of credit profiles of
customers by way of quarterly reports or updates First point of contact for day-to-
day service issues, liaising with operational teams to facilitate effective customer
service.

Education
2011-2013 MBA: FINANCE AND BANKING
ICFAI Business School Hyderabad

2007-2011 G Pullareddy Engineering College

(Electrical and Electronics Engineering)-Graduation

2005-2007 Sri Chaitanya College (11th and 12th)

2005 SSC

Certifications
Certification in JAIIB, CAIIB, Corporate Banking

Certified Credit Officer (Indian Institute of Banking and Finance)

Certificate of participation in Credit Skills Assessment by Crisil Rating Agency