Ajay Ramanan

NTB acquisition,Financial analysis, working capital assessment, LC, BG, SME, MSME,Pre sanction formalities,Post sanction documentation

• Handling credit portfolio of Branch- Proposal Sourcing through various strategies, Calculating and Analyzing the Financial Ratios of Borrowers to asses the eligibility, Cross verifying the facts and figures through Account Operations, CIBIL analysis, Due Diligence, Analysis of the Project Feasibility, SWOT /BEP analysis of portfolio and highlighting gaps and suggesting actionable.
• Protecting the asset quality of the branch by monitoring the accounts and unit, analyzing problem before & plan for exit before slippage.
• Measuring branch activities, performance, standards and service level. Reviving individual staff business target vs achievement on daily basis for all products.
• Responsible for satisfactory rating in all internal/external audit of the branch, compliance to all operations health documents, timely resolution of customer complaint, people management, cost management, regulatory compliance and system & procedure, KYC audit& AML, Cash Management etc.

• Responsible for achieving, Branch target such as CASA, Deposit, Advances, Insurance, technology services, Credit Card, Branch Profitability, Recovery and ensuring high quality service & customer relationship Management.

• Drafting efficacious Business Development Plan for managing Intermediaries, Colleagues and existing Clientele.

• Handling credit portfolio of Branch- Proposal Sourcing through various strategies, Calculating and Analyzing the Financial Ratios of Borrowers to asses the eligibility, Cross verifying the facts and figures through Account Operations, CIBIL analysis, Due Diligence, Analysis of the Project Feasibility, SWOT /BEP analysis of portfolio and highlighting gaps and suggesting actionable.

• Completing Legal and valuations of the collateral and ensuring no adverse features, ensuring marketability and saleability of collateral.

• Compliance of sanction terms and condition, proper documentation, Disbursal, Unit Visits along with end use of the Bank Finance.

• Being thorough banking professional with extensive experience in developing Credit client relationships and referral networks delivered exceptional results through branch business development, client management, and strategic planning.

• Managed to increase deposit base and CASA through new acquisition

and enhancement of existing relationships.

• Prepared documentation for corporate as well as retail loans viz, working capital limits, working capital term loan, machinery loan, home loan, vehicle loan etc.

• Compliance of sanction terms and condition, ensuring adequate insurance of collateral security and stock, Co-ordination with cersai team. Coordinating with IBD for LC,BG, PCL ,FCL

• Attended to all audit findings and resolved them in case of discrepancies

• Responsible for achieving individual target in Business Banking, Reviewing Associate performance, assign duties, ensuring high quality service & customer relationship management and ensuring cost & productivity norms are met & compliance with banking rules, regulations & procedures

• Responsible for day-to-day Operations of the branch such as RTGS/NEFT, Cash payment& Receipts, I/W & O/W Clearing, tax payment, account opening, Issue of Demand Draft etc.and ensuring strict compliance with Bank's policies and procedures.

• Maintenance of ATMs like cash management, security and verification.

• Monitored dummy accounts, suspense accounts, deferred accounts,

accounts payable/ receivable.

• Ensured timely resolution of customer queries/complaints and improving customer service.

• Compiled reports on operating functions, ensured efficiency and

conformation with compliance and regulatory standards were maintained at acceptable levels

• Assisted Branch Managers in providing leadership, motivating and training employees to increase bank revenue goals along with customer performance goals.

Business Development and Relationship Management with existing customer base and New client.

• Responsible for achieving individual target in Business Banking, Reviewing Associate performance, assign duties, ensuring high quality service & customer relationship management and ensuring cost & productivity norms are met & compliance with banking rules, regulations & procedures.

• Responsible for day-to-day Operations of the branch such as RTGS/NEFT, Cash payment& Receipts, I/W & O/W Clearing, tax payment, account opening, Issue of Demand Draft etc. and ensuring strict compliance with Bank's policies and procedures.

• Maintenance of ATMs like cash management, security and verification.

• Monitored dummy accounts, suspense accounts, deferred accounts, accounts payable/ receivable.

• Ensured timely resolution of customer queries/complaints and improving customer service.

• Compiled reports on operating functions, ensured efficiency and conformation with compliance and regulatory standards were maintained at acceptable levels.

• Day to day Branch Operations,Cash Handling and I/w ,O/w Clearing operations .

• Compliance of sanction terms and condition, ensuring adequate insurance of collateral security and stock, Co-ordination with cersai

• Coordinating with IBD for LC,BG, PCL ,FCL.

• Attended to all audit findings and resolved them in case of discrepancies.

• Make sure “The 5 Cs of Credit”- character, capacity, capital, collateral and conditions comply as per Banking Norms.

• Analysis of the Corporate and Individuals Borrowers in lieu of the Credit History through CIBIL Transunion Score.

• Cross verifying the facts and figures through Account Operations.

• Calculating and Analyzing the Financial Ratios for the Liquidity, Solvency and Probability of the Borrower.

• Analysis of the Project Feasibility to calculate MPBF and Verifying the reliability of the Projections/CMA Data in terms of Proposed Income so as to calculate DSCR/ICR as applicable.

Calculating DP for the Borrower and preparation of credit memorandum