A GANESH RAMYA
Bengaluru
Summary
A highly skilled and results-driven banking professional with 14 years of experience in managing financial operations, customer relations, and regulatory compliance. Seeking to leverage my expertise as a Bank Officer at Punjab National Bank to contribute to the institution's growth and success.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Deputy Manager
Punjab National Bank
04.2023 - Current
- Financial Management: Oversee daily banking operations, including account management, loan processing, and transaction approvals
- Customer Relations: Build and maintain strong relationships with clients, addressing their financial needs and providing tailored solutions
- Compliance: Ensure all banking activities comply with regulatory requirements and internal policies
- Team Leadership: Lead and mentor a team of banking professionals, fostering a collaborative and high-performance work environment
- Risk Management: Identify and mitigate financial risks, implementing effective controls and procedures
- Liaised with team members, stakeholders and vendors to coordinate activities, provisioning, environment setup, risk mitigation and follow-up.
- Completed regular inventory counts to verify stock levels, address discrepancies, and forecast future needs.
- Generated repeat business through exceptional customer service.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
Bank Loan Officer
Punjab National Bank
05.2019 - 03.2023
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Maintained strict confidentiality of bank records and client information.
- Developed strong relationships with customers through high levels of customer service.
- Advised clients on mortgage, education and personal loans.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Examined customer loan applications for loan approvals and denials.
- Collaborated with other departments to promptly process loan applications.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Negotiated loan terms and conditions with customers to secure best deal.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Proactively identified solutions for customers experiencing credit issues.
- Researched and updated industry knowledge on changing legislation and regulations.
Clerical Officer
Punjab National Bank
02.2011 - 04.2019
- Account Oversight: Managed customer accounts, ensuring accuracy and compliance with banking standards
- Loan Processing: Evaluated and processed loan applications, maintaining a high approval rate
- Customer Support: Provided exceptional customer service, resolving issues and enhancing client satisfaction
- Operational Efficiency: Streamlined banking processes to improve efficiency and reduce operational costs
- Maintained employee files in accordance with company policies and legal requirements.
- Drafted professional memos, letters, and marketing copy to support business objectives and growth.
- Provided clerical support to company employees by copying, faxing, and filing documents.
- Prepared and edited documents to produce precise, accurate and professional communication.
Education
MBA - Banking And Finance
Alagappa University
Karaikudi, India03-2016
Bachelor of Engineering - Electronics And Communications Engineering
Anna University
Chennai, India04-2008
Skills
- Loan Management
- Customer Service
- Regulatory Compliance
- Team Leadership
- Risk Assessment
- Documentation
- Financial Analysis
- Operational Efficiency
Certification
- [Certification Name], [Issuing Organization], [Year]
Timeline
Deputy Manager
Punjab National Bank
04.2023 - Current
Bank Loan Officer
Punjab National Bank
05.2019 - 03.2023
Clerical Officer
Punjab National Bank
02.2011 - 04.2019
- [Certification Name], [Issuing Organization], [Year]
MBA - Banking And Finance
Alagappa University
Bachelor of Engineering - Electronics And Communications Engineering
Anna University
Similar Profiles
Sukriti KundalSukriti Kundal
Assistant Bank Manager at Punjab National Bank and Oriental bank of commerceAssistant Bank Manager at Punjab National Bank and Oriental bank of commerce
Debojyoti Das PurkayasthaDebojyoti Das Purkayastha
Officer at Punjab National Bank(Previously United Bank Of India)Officer at Punjab National Bank(Previously United Bank Of India)
JOGINDER SINGHJOGINDER SINGH
Assistant/Deputy Manager at Punjab National Bank, Indian Government BankAssistant/Deputy Manager at Punjab National Bank, Indian Government Bank