Anand Soni

1. Credit appraisal of MSME proposals' falling beyond Discretionary Lending Power(DLP) of Branch.

2. Validation of risk rating.

3. Monitoring DLP of branches and taking corrective action in case of breach of DLP limit.

4. Post Sanction Review(PSR) noting of proposals sanctioned at branch level.

5. Preparation of MSME and Retail loan proposals, recommending and putting in various Credit Committees for sanctions as per DLP of credit committee.

6. Organising various credit camps to mobilise credit proposal for achivement of targets

7. Being credit head of region providing guidance to branch and assisting them in knowledge updation.

8. Handling team of loan processing officers.

1. Meeting with existing and prospective customers for business mobilisation(CASA and credit).

2. Meeting with official in several goverment department for mobilising bulk deposit. During my tenure in Branch government deposit increased by Rs. 1600 crore.

3.Handling team of approx 15 staff in branch and motivating them in synchroninsing thier effort towards achieving of targets.

4. Explaining Bank's third party product to customers as per their need and putting effort in achieving targets of wealth management.

5. Sanctioning of MSME, Retail and Agri proposal falling within my Discretionary Lending Power( DLP)

6. Validation of Risk rating and ensuring business with compliance.

7. During my tenure risk rating of Branch remain in LOW category.

8. Ensuring Business Continuity Plan (BCP) in case of any interruption in banking services

1. Processing of MSME, Retail Loan and Gold Loan Proposals.

2. CMA data processing in MSME loan, FOIR (Fixed obligation to income ration) calculation in retail loan, Gold Loan amount assessment and safe keeping of gold jewellry.

3. Pre-Sanction in all loan proposals

4. Ensuring TAT (turn around time) in all loan proposals

5. Ensuring proper and legally enforceable Execution of credit documents by borrowers.

6. Ensuring proper and legally enforcebale mortgage creation and security perfection.

7. Making of review proposals of existing credit facilities.

8. Collecting stock statement in cash credit facility and updating the same in Finacle-10

9. Handling team of 7 officers and clerks.

1. Sanctioning of MSME,Retail and Agri Loan

2. Handling of team of 4 officer and 2 clerks

3. Credit monitoring viz SMA account monitoring and NPA management.

4. Meeting with existing and prospective customer for business mobilisation.

5. According sanctions in government sponsored scheme viz PMMY, PMEGP etc

1. Sanctioning of MSME,Retail and Agri Loan

2. Handling of team of 4 officer and 2 clerks

3. Credit monitoring viz SMA account monitoring and NPA management.

4. Meeting with existing and prospective customer for business mobilisation.

5. According sanctions in government sponsored scheme viz PMMY, PMEGP etc

1. CMA data processing and analysis

2. Pre sanction in all loan proposals

3. Cash credit limit assessement and Term Loan assessment.

4. Calculation of FOIR for further assessing limit in retail loans.

5. Initiating risk rating assessment in all loan proposals

6. Ensuring proper and legally enforceable Execution of credit documents by borrowers.

7. Ensuring proper and legally enforcebale mortgage creation and security perfection.

8. Ensuring no existing credit facility got time barred by obtaining proper documents timely.

1. Performing day to day operation related work viz authorising cash transactions, customer profile updation, issuing alternate deliver channel facility to customer on demand.

2. Cheque clearing

3. Custody of ATMs and other security items viz Demand Draft, Banker's Cheque and cash keys

1. Learned about several working domain of Banks in different branches and training centre of banks.

1. Sales of residential flats and plots.

2. maintaining data of inventories.

3. Processing of unit transfer cases among customers on ERP.

4. Explaining site details and maps to customers.