Abarajithan R

• Liquidity Risk Assessment:Analyzing the bank's balance sheet, cash flow projections, and market conditions to identify potential liquidity shortfalls.
• Liquidity Risk Management Framework:Developing and maintaining a comprehensive framework for managing liquidity risk, including policies, procedures, and controls.
• Stress Testing:Simulating adverse market conditions and evaluating the bank's ability to withstand liquidity shocks.
• Regulatory Compliance:Ensuring the bank adheres to all relevant liquidity risk regulations and reporting requirements.
• Funding Strategy:Developing and implementing strategies for securing sufficient funding at reasonable costs to meet the bank's obligations.
• Early Warning Indicators:Monitoring key metrics and indicators to identify potential liquidity problems before they escalate.
• Contingency Planning:Developing and maintaining plans for responding to liquidity crises, including identifying sources of emergency funding.
• Reporting and Communication:Preparing regular reports on liquidity risk to senior management and relevant stakeholders, and communicating effectively about potential risks and mitigation strategies.
• Participated in the end-to-end implementation of ALM, FTP, and LRMM modules within the OFSAA framework
• Gathered and analyzed business requirements and defined product behaviors, transfer pricing logic, and liquidity metrics.
• Designed and configured key OFSAA components:

ALM: Product classification, behavioral models, gap analysis, interest rate shock simulations.

FTP: Static/dynamic FTP rule setup, rate curve configuration, pool definitions, matched maturity pricing.

LRMM: LCR/NSFR configuration, cash flow maturity ladders, liquidity buffers.

Conducted data mapping and transformation between core banking systems and OFSAA staging tables using custom ETL processes.

Developed and executed test scenarios for SIT and UAT phases, covering functional and performance aspects of ALM, FTP, and liquidity risk reporting.

• Evaluated loan applications and financial documentation to determine borrower eligibility and risk levels.
• Assisted clients in understanding loan products and terms, ensuring informed decision-making throughout the application process.
• Managed client communications, addressing inquiries and providing updates on loan status to enhance customer satisfaction.
• Collaborated with underwriters to streamline the approval process, facilitating timely responses to client requests.
• Conducted credit analysis using industry-standard software to assess borrower creditworthiness and repayment capacity.
• Developed strong relationships with clients through personalized service and follow-up communications, fostering trust and loyalty in financial partnerships.
• Developed strong relationships with customers through high levels of customer service.
• Submitted loan applications to underwriter for verification and recommendations.
• Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
• Conducted thorough credit analysis to minimize risk exposure for the financial institution.
• Improved loan processing efficiency by streamlining application procedures and documentation requirements.
• Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
• Maintained compliance with all regulatory requirements, preventing any legal or financial penalties for institution.
• Conducted comprehensive risk assessments for loan portfolios, resulting in balanced risk management.
• Monitored loan repayments and followed up on delinquent accounts, minimizing non-performing assets.
• Resolved customer complaints regarding loan products and services, restoring trust and satisfaction.
• Approved loan applications based on customer creditworthiness and provided detailed financial advice.
• Analyzed potential risks and evaluated loan products to identify suitable options for customers.

• Processed customer transactions efficiently, ensuring accurate handling of cash and electronic payments.
• Maintained meticulous records of daily transactions and account activities, facilitating seamless audits and compliance checks.
• Assisted in the preparation of account statements, providing clients with timely and accurate financial information.
• Collaborated with team members to resolve customer inquiries, enhancing client satisfaction through effective communication and support.
• Trained new staff on operational procedures and customer service standards, fostering a knowledgeable team environment.
• Supported branch operations by organizing documentation for loan applications, streamlining processing times for customers.
• Utilized strong multitasking skills to manage multiple priorities and tasks, ensuring timely completion of each assignment.

• Developed and maintained Java applications, ensuring high performance and responsiveness to requests from front-end users.
• Developed and maintained Java-based web applications using J2EE technologies to enhance system functionality and user experience.
• Implemented scalable database designs using SQL queries and stored procedures for optimized data retrieval operations in J2EE applications.
• Enhanced application performance by optimizing J2EE components and implementing caching strategies.