AKSHITA SUNEJA
Greater Noida
Summary
Competent professional with over 8 years of experience and proven ability in business development and knowledge of various banking domains like customer service building, maintaining client relationship,on boarding new clients, underwriting loans,documentation and disbursement. Extensive knowledge of banking practices,regulatory standards,various products and services with acute focus on delivering high level of customer satisfaction.
Overview
9
9
years of professional experience
Work History
Credit Officer/Assistant Manager
THE SOUTH INDIAN BANK
Punjabi Bagh,Delhi
07.2024 - Current
- Reviewed credit applications and financial statements to determine customer creditworthiness.
- Analyzed customer accounts, payment trends, and credit ratings to assess risk of default.
- Conducted regular reviews of existing customers' accounts to ensure compliance with agreed terms.
- Monitored customer account activity to identify any potential risks or issues.
- Processing customers' requests for travel card, currency exchange.
- Marketing Of CASA, retail P&B segment loans and third party products like insurance mutual funds,NPS etc.
CREDIT OFFICER-MSME
THE SOUTH INDIAN BANK
Noida
05.2023 - 06.2024
- Maintaining relationship with allotted credit portfolio with regards to timely renewals,enhancements and processing additional borrower request.
- Conducting Pre-sanction visit & scrutiny of borrower's factory/business unit & proposed securities and submission of report
- Meeting with Promoters of borrower companies to discuss their business, operations & expectations
- Underwriting fresh,enhancement and renewal credit proposals,preparing process notes,financial analysis and all required checks and due diligence and presenting to sanctioning authority.
- Conducting valuation & legal clearance of secured assets as per laid guidelines
- Coordinating with Advocates,External Valuers and TEV consultants.
- Deepen client relationship with other value added services like investment in insurance,mutual funds,equity,loans for vehicle,personal, home etc
- Responsible for onboarding NTB borrower: sourcing,processing,presenting,disbursement and post compliances
Sales Officer
THE SOUTH INDIAN BANK
Chandni Chowk,Delhi
09.2022 - 04.2023
- Marketing of CASA,retail P & B segment loans and third party products like insurance,mutual funds,NPS etc
- Marketing of MSME loans for the purpose of working capital
- Sell financial products to existing customers and new clients by developing an understanding of the Bank's offerings and multiple product portfolio as per the requirement.
Customer Service Executive
THE SOUTH INDIAN BANK
Malviya Nagar,New Delhi
09.2017 - 08.2022
- Handling various general operations of the branch like cash,fund transfer,CTS cheque clearing,opening of accounts,deposits & loans in CBS,ATM maintenance etc.
- Processing inward/outward TT remittances of non trade
- Processing customers' requests for travel card,currency exchange.
- Marketing of CASA,retail P & B segment loans and third party products like insurance,credit cards,mutual funds, NPS etc
- Conducted periodic check-ins with customers to gather feedback,address concerns and promote usage of the Bank Products
- Analyzed data for maximizing the development and growth of various offerings products and instrumental in establishing campaigns for outreach
- Provide financial advise to the customers on the appropriate financial actions to take for savings
Junior Processing Officer
ADFC FOR HDFC BANK
NOIDA
05.2015 - 08.2016
- Document verification of Address change for individual and non individual clients.
- Document verification of KYC forms.
- Document verification of financial rights and business debit cards.
Education
Diploma in Software Engineering -
NIIT LTD
New Delhi, DL01-2013
B.Com -
P.G.DAV (N.C.W.E.B)
New Delhi, DL01-2013
12th -
Sadhu Vaswani International School For Girls
New Delhi, DL01-2010
10th -
Sadhu Vaswani International School For Girls
New Delhi, DL01-2008
Skills
- Proficient in Microsoft Office Suite
- Proficient in Finacle Core Banking Solution
- Financial statement review
- Customer Relations
Languages
- English
- Hindi
- Punjabi
Timeline
Credit Officer/Assistant Manager
THE SOUTH INDIAN BANK
07.2024 - Current
CREDIT OFFICER-MSME
THE SOUTH INDIAN BANK
05.2023 - 06.2024
Sales Officer
THE SOUTH INDIAN BANK
09.2022 - 04.2023
Customer Service Executive
THE SOUTH INDIAN BANK
09.2017 - 08.2022
Junior Processing Officer
ADFC FOR HDFC BANK
05.2015 - 08.2016
Diploma in Software Engineering -
NIIT LTD
B.Com -
P.G.DAV (N.C.W.E.B)
12th -
Sadhu Vaswani International School For Girls
10th -
Sadhu Vaswani International School For Girls
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