Anand S
Palakkad,KL
Summary
Dynamic Branch Manager with a proven track record at State Bank of India, excelling in operational efficiency and relationship management. Enhanced profitability through strategic cost-saving measures and risk management protocols. Skilled in team supervision and conflict resolution, fostering a culture of excellence that consistently exceeded performance targets.
Professional with strong background in branch management. Skilled in enhancing operational efficiency, driving growth, and fostering team collaboration. Known for adaptability to changing needs and effective problem-solving. Expertise in strategic planning, customer service, and financial oversight. Reliable leader focused on achieving results and empowering teams.
Overview
16
16
years of professional experience
Work History
Branch Manager
State Bank of India, SBI
07.2024 - Current
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
- Complied with regulatory guidelines and requirements.
- Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
- Implemented rigorous risk management protocols, safeguarding against potential financial threats.
- Elevated staff morale and productivity by introducing system of rewards and recognition for outstanding performance.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
Branch Manager
State Bank of India, SBI
07.2022 - 06.2024
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Drove cross-selling efforts by collaborating with various departments within the organization to maximize revenues from existing clients.
- Conducted regular financial reviews and audits, identifying and resolving discrepancies promptly.
- Optimized operational efficiency by adopting cutting-edge banking technologies, resulting in smoother transaction processes.
- Increased customer satisfaction with personalized banking solutions, tailoring services to meet individual financial goals.
- Fostered culture of excellence and accountability, resulting in branch consistently exceeding performance targets.
- Enhanced branch visibility and market presence by orchestrating community engagement initiatives.
Branch Manager
State Bank of India, SBI
07.2019 - 06.2022
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Assisted with collecting and developing information from variety of sources.
- Collaborated with law enforcement agencies for effective information sharing and case resolution.
- Conducted interviews with complainants and witnesses to substantiate or support allegations of fraud and abuse.
- Prepared reports of investigation in accordance with guidelines and instructions.
- Demonstrated strong analytical skills in evaluating complex financial data for potential fraud indicators or signs of money laundering activity.
- Developed probable cause to enable government to pursue seizure warrants, temporary restraining orders, civil complaints, and forfeiture counts against targeted parties.
- Prepared documents, exhibits, and schedules for criminal prosecution of economic fraud cases in court of law.
Credit Analyst
State Bank of India, SBI
10.2014 - 06.2019
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Collaborated with cross-functional teams for comprehensive client assessments, supporting informed decisionmaking.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Gathered loan documentation for underwriting.
- Mentored junior analysts, sharing best practices and fostering their professional development in credit analysis techniques.
- Participated in loan committee meetings to provide input on lending processes.
- Developed and maintained strong relationships with external financial institutions, streamlining loan syndication processes.
- Improved financial risk management with meticulous analysis of financial statements and market trends.
- Reduced delinquency rates, implementing rigorous monitoring and follow-up strategies with at-risk accounts.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
- Utilized data-driven insights to make informed decisions regarding staffing levels during peak seasons thereby maintaining smooth functioning of branch operations.
- Cultivated lasting relationships with high-value clients, securing their loyalty through exceptional service and advice.
- Boosted branch revenue by strategically analyzing market trends and aligning financial products to customer needs.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
IT Support Consultant
State Bank of India, SBI
04.2009 - 04.2014
- Coordinated efforts with vendors to obtain necessary equipment replacements or repairs at minimal cost while maintaining quality standards.
- Provided ongoing support for clients post-implementation, ensuring a smooth and successful transition to new technologies.
- Collaborated with cross-functional teams to develop and implement IT solutions, increasing overall efficiency.
- Designed tailored training programs aimed at empowering users with essential knowledge on newly deployed systems.
- Configured and tested new software and hardware.
- Tested new software and hardware prior to deployment.
Education
PG Diploma - Materials Management
Anna University, Distance Education
Coimbatore09-2010
MBA - Finance And Systems
Kumaraguru College of Technology
Coimbatore, India05-2008
BBA - Business Administration And Management
Sree Narayana Guru College
Coimbatore06-2006
Skills
- Branch operations management
- Team supervision
- Relationship building and management
- Decision-making
- Operational efficiency enhancement
- Business development
- Work prioritization
- Proficient in conflict management
- Loan assessment skills
Accomplishments
- Part of the Team which won National E Governance Award for Kerala E Tender Project.
- Social Forestry Projects were implemented various public institutions in Manjeshwar Taluk
Languages
English
Advanced (C1)
Hindi
Intermediate (B1)
Tamil
Intermediate (B1)
Malayalam
Advanced (C1)
Timeline
Branch Manager
State Bank of India, SBI
07.2024 - Current
Branch Manager
State Bank of India, SBI
07.2022 - 06.2024
Branch Manager
State Bank of India, SBI
07.2019 - 06.2022
Credit Analyst
State Bank of India, SBI
10.2014 - 06.2019
IT Support Consultant
State Bank of India, SBI
04.2009 - 04.2014
PG Diploma - Materials Management
Anna University, Distance Education
MBA - Finance And Systems
Kumaraguru College of Technology
BBA - Business Administration And Management
Sree Narayana Guru College
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