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N. UNNI KRISHNAN
Mobile: +91 9994793582 ; 0422 - 2592683
Email: k_unni@mailcity.com; Krish_uk2000@yahoo.com
Professional Objective :
A Challenging assignment with scope to utilize knowledge, skills and experience gained in the areas
of Business analyzing, client Servicing & Credit Appraisal.
Consolidated Experience :
Organization : Dhanlaxmi Bank Ltd
Designation : Regional Credit Head (Senior Manager – Credit)
Tenure : 5 years 1 month (Since May 2010- till date).
Organization : ICICI Bank Ltd
Designation : Credit Manager – ROTN & Kerala
Tenure : 3 year 6 months From Nov 2006 to May 2010
Organization : LIC Housing Finance Ltd
Designation : Credit officer
Tenure : 3 years 10 months (From Jan 2003 to Nov 2006)
Organization : L&T Transportation Infrastructure Ltd
Designation : Accounts / Admin Supervisor
Tenure : 3 years 3 months (From October 1999 to January 2003)
Detailed work experience :
1. Organisation Profile : Dhanlaxmi Bank Ltd. was incorporated in 1927 at Thrissur, Kerala by
a group of ambitious and enterprising entrepreneurs. Over the 87 years that followed, Dhanlaxmi
Bank with its rich heritage has earned the trust and goodwill of clients. With more than 286 branches
and 670 touch points across India at its customer service; Bank’s focus has always been on
customizing services and personalizing relations.
84, North Street-1, Varadharajapuram Medu, Upplipalayam. P.O Coimbatore 641015.
Tamil Nadu.

N. UNNI KRISHNAN
Mobile: +91 9994793582 ; 0422 - 2592683
Profile : I have joined in Dhanlaxmi Bank as Senior Manager (Credit sanction department) at Coimbatore
on May 2010 and subsequently promoted as Chief Manager during April 2013. During my initial tenure at
credit sanction department, I was handling the credit / loan proposals of coimbatore, Erode, Salem,
Udumalpet and Pollachi branches. During Sep 2011, I have been functionally promoted as Regional Credit
Head for Rest of Tamilnadu Branches with the approving power upto Rs.1 Cr. Now I have been assigned
for managing and appraising the corporate / board proposals of Rest of Tamilnadu branches with additional
responsibility of Chennai region. Now I am part of Regional credit committee, having approving power upto
Rs.3 Crs. Now, I am handling,
• Fund based Working capital products like., Cash Credit (CC) , Over Draft (OD), Pre shipment (PC)
and post shipment credits etc., and Non fund based products like Letter of Credit (LC), Bank
Guarantee (BG), Buyers credit, FC etc., for corporate and SME clients.
• Term loans, project loans, Home loans, Car loan, Commerical Vehicle loans, Mortgage loans, etc.,
for retail clients.
My role involves the following activities:
1. Approving authority upto Rs. 3 cr under fund based limit and non fund based limits.
2. Recommending the proposals to Board / corporate committee with proper credit and Risk
Appraisal.
3. Clint Visits / Industry visits for high volume proposal.
4. Periodical Trainings to BMs and Credit officers.
5. Post disbursement activities like credit Monitoring and Recovery.
2. Organisation Profile : ICICI Bank is India's largest private sector bank with total assets of Rs.
6,461.29 billion (US$ 103 billion) at March 31, 2015 and profit after tax Rs. 111.75 billion (US$ 1,788 million)
for the year ended March 31, 2015. ICICI Bank currently has a network of 4,050 Branches and 12,642
ATM's across India.
Profile: I have joined ICICI Bank as Asst Manager –II (Credit sanction department) at Coimbatore on Nov
2006 and was handled Agri SME advances of Coimbatore, erode, salem and Kerala. I was handling,
Tamil Nadu.

N. UNNI KRISHNAN
Mobile: +91 9994793582 ; 0422 - 2592683
• Working capital products like., Cash Credit (CC) , Over Draft (OD), Commodity based financing,
Priority sector funding, etc.,
• Term loans, project loans, Mortgage loans, etc.
My role involves the following activities:
 Recommendations for Sanctions (Credit Appraisal and Risk Analysis) and disbursements of
fund based and non fund based products for Agri SME sector
 Approving authority for warehouse funding upto Rs.2 Mn.
 Documentations.
 Clint Visits / factory visits.
 Monitoring and Facility Renewals.
 Trainings to Credit Processing Assistants, Sales and other channel partners.
3. Organization profile: LIC Housing Finance Ltd. is one of the largest Housing Finance
company in India. Incorporated on 19th June 1989 under the Companies Act, 1956, the company was
promoted by LIC of India and went public in the year 1994. The GDR's are listed on the Luxembourg
Stock Exchange.
The Company possesses one of the industry's most extensive marketing network in India: Registered
and Corporate Office at Mumbai, 7 Regional Offices, 16 Back Offices and 209 marketing units across
India. In addition the company has appointed over 10478 Intermediaries to extend its marketing
reach. 16 Back Offices spread across the country conduct the credit appraisal and administrative
functions.
Profile : I have joined LIC HFL as Junior Executive Assistant (Credit) at Mysore on Jan 2003 and has been
transferred to back office / regional office at bangalore for credit processing during 2004. I was handling all
type of retail loans like, Home loans, Mortgage loans, Builder finance, Project finance and loan against
policies. My roles in the various levels involves the following activities.
Tamil Nadu.

N. UNNI KRISHNAN
Mobile: +91 9994793582 ; 0422 - 2592683
 Credit Appraisal for individuals / builders / corporate for project finance.
 Office inspection and customer visit / interview.
 Scrutinizing KYC, Legal, valuation and income documents.
 Recommendations for sanction.
 Scrutiny of original property documents.
 Documentations and mortgage of properties.
 Disbursement
 Appointing HLAs/ DSA/ CRA
 Builder and Project Finance Marketing & Appraisal and recommendations.
 Advance Processing Facility (APF)
 Document Verification, Office Inspection & coordinating with Builders & Developers.
4. Organisation profile: L&T Transportation Infrastructure Limited (L&T TIL) is a wholly-
owned subsidiary of the L&T Group. The company commissioned first road privatisation scheme that
was implemented in South India on BOT basis. I have started my carrier in this company from Oct
1999. I was designated as Accounts/Administrative Supervisor. My role involves.,
 Maintining books of accounts
 Assisting Finance Manager for accounts finalization.
 Toll plaza Management.
 M I S and Audit Co-ordination.
 Inventory control and Analysis.
 Handling Legal Aspects.
 Customer care
Education Academic :
Tamil Nadu.

N. UNNI KRISHNAN
Mobile: +91 9994793582 ; 0422 - 2592683
 B.Com – I Class, Government Arts College, Coimbatore.
 PG Diploma in Financial Management – II Class, Annamalai University.
 MBA – ‘B’ Grade, (74%) IGNOU.
 JAIIB from Indian Institute of Banking and Finance.
Tech. Qualification:
 HNC from NIIT
 PGDCA from Datamatics.
Other details
Current CTC : 10 lakhs
Notice Period : 3 Months
Computer Knowledge : Proficiency in MS Office 97- MS Excel, MS Word, MS Power
point, MS Access, Accounting Package – Any Menu driven package.
Languages Known : English, Tamil, Kannada, Malayalam and Hindi
Date of Birth : 05.07.1976
Father’s Name : P. Narayanan
Passport No. : H4817743
Tamil Nadu.

N. UNNI KRISHNAN
Mobile: +91 9994793582 ; 0422 - 2592683
Marital Status : Married
N. UNNI KRISHNAN
Tamil Nadu.

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