Anjana B S

• Accountable for testing credit rating, financial statements, credit reports and other relevant documents to assess creditworthiness, implementing and overseeing quality control measures to ensure accuracy and consistency in credit related operations.
• Identifying potential risks associated with credit operations and developing strategies to mitigate.
• Developed and implemented quality assurance standards for all processes.
• Conducted regular audits to ensure product quality and safety.
• Advised management on changes needed in order to improve existing processes or develop new ones.
• Identified root causes of any defects found during inspections or testing activities.

Lending Securities Management Team :

Worked as Lending Securities Management Officer in Customer Lending and Business Banking.

One of the key staffs in the pilot batch for a new team named Lending Securities Management which was formed to implement a new LSM system to replace CCMS, CAP securities model across commercial business to improve the way we take, manage and release securities and provide a better quality to customers. To make the migration successful, we review any existing, new and varied collaterals until the implementation of LSM system to help a smooth migration.

Hands on Experience in entire set of activities related to CCMS segmentation and collateral management.

Gained insightful knowledge on Banking services including securities management.

Team Non-credit Critical(NCC)

• Proactively identify gaps in the process between Interest Margin & NCC and place internal controls to mitigate any operational risk.
• Completion of BUPLAS training and interacting with customers, Brokers & Mobile lenders
• Regularly review processing effectiveness and implement improved processes
• Achieved goal of first employee in Learning all the processes in the Team

• Self driven in learning the process before the Team could plan the up-skilling. Keeping the customer and requestors (Mobile lenders, brokers, personal bankers) up to date and informed of progress of requests. Provide a high level of customer service to the internal and external customers loading interest margin discounts received by email from requestors and processing them to customer's Loan accounts, issue letters and post them to printing share point. Dealing with ANZ Home loans, Investment loans if Reconciliation required, backdate them accordingly(CAP) and adjust them to customer loan accounts or via web voucher issuing (Web vouchers)