AEMY MAREEN ABRAHAM
Summary
Qualified Banking & Finance professional with expertise in credit review, underwriting, and risk assessment for Consumer, Retail, MSME, and corporate portfolios. Skilled in documentation, post-sanction compliance, recovery, and banking operations, including loan disbursement, collateral management, and data integrity. Experienced in internal control, statutory compliance, MIS reporting, and reconciliation. Adept at leading credit teams, driving business strategy, and ensuring profitability. Strong customer service and grievance redressal skills. Proficient in MS Office (Word, Excel, PowerPoint, Outlook). Proven ability to meet targets and deadlines efficiently.
Overview
11
11
years of professional experience
1
1
Certification
Work History
SENIOR MANAGER
CANARA BANK
06.2014 - Current
- Review of sanctions made in large borrowal accounts and submit findings to Top Management for remedial / corrective action. Conduct review of the external auditors' stock audit and credit audit of high value accounts sized above INR 10 million and present the discovered issues to Top management, proposing corrective measures for the future.
- Actively engaged in monitoring of progress in pre-release audit conducted in loans sized above INR 30 million and apprising the same to Senior leadership for appropriate actions.
- Engaged proactively in managing development of automation package of pre-release audit conducted in borrowal accounts above INR 30 million and coordinating with IT Wing after gathering feedback from the end users.
- Actively participated in formulation of policy related to review of credit sanctions during merger of erstwhile Syndicate Bank to the current organization in the year 2020.
- Conduct half-yearly assessments of significant borrowing accounts approved by the Bank's Head Office.
- Approval of credit requests within delegated powers and referral of credit proposals exceeding delegated powers to the concerned authority for approval.
- Loan documentation and compliance of sanction terms & conditions, review of feedback statements like valuation report, stock statement etc. and perform periodical inspection of security items.
- Assign internal risk rating of borrowal accounts.
- Reduction of non-performing assets in the portfolio & recommend recovery steps for delinquent accounts.
- Branch/Unit operation including account maintenance, approval of draw / disbursement request, approval of high value transactions in the system.
- Propose & execute strategies for unit profitability and ensure internal control of the unit.
- Ensure statutory & regulatory compliance, Know Your Customer & Prevention of Money Laundering Act norms.
Education
Master of Arts - Applied Economics
Pondicherry University
Pondicherry05-2013
Bachelor of Arts - Economics
Stella Maris College
Chennai04-2011
Skills
Financial statement analysis
Credit risk analysis
Credit Administration & Monitoring
Internal Control & Regulatory Compliance
Advanced Microsoft Excel
Team Management
Banking Operations; KYC & AML norms
Recovery & Legal Documentation
Certification
· Semi-qualified Certified Internal Auditor(Part 1) from The Institute of Internal Auditors.
· Junior Associate of the Indian Institute of Bankers from Indian Institute of Banking and Finance.
· Medium, Small and Micro Enterprises from Indian Institute of Banking and Finance.
Timeline
SENIOR MANAGER
CANARA BANK
06.2014 - Current
Master of Arts - Applied Economics
Pondicherry University
Bachelor of Arts - Economics
Stella Maris College
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