Ankur Kulhari
Jalandhar
Summary
Dynamic Branch Manager at Punjab National Bank with a proven track record in credit assessment and employee development. Expert in regulatory compliance and operational reporting, I successfully enhanced customer service success rates and drove revenue growth through strategic team leadership and effective conflict resolution. Committed to fostering strong client relationships and optimizing branch performance.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Branch Manager
Punjab National Bank
Jalandhar
04.2022 - Current
- Manage all the functions of the branch.
- Manage manpower of the branch for smooth running of the branch.
- Assign duties to employees of the branch and keep track of the work done by them.
- Assess employee performance and develop improvement plans.
- Training, and supervising the employees of the branch.
- Performance appraisal and terminating the services of branch personnel.
- Training employees for providing superior customer services.
- Maintain friendly and professional atmosphere within the branch to improve customer service.
- Engage employees in business processes with positive motivational techniques.
- Sanctioning of various loans and credit cards.
- Examine customer loan applications for loan approvals and denials.
- Approve, reject, or coordinate the approval or rejection of lines of credit or commercial, real estate, or personal loans.
- Meet deadlines by proactively managing individual and team tasks and streamlining processes.
- Review and edit loan agreements to enhance clarity and monitor compliance with requirements.
- Maintain confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Gather and review customer feedback to improve operations.
- Comply with regulatory guidelines and requirements.
- Compile database of loan applicants’ credit histories, financial statements and other financial information.
- Oversee the flow of cash or financial instruments.
- Review collection reports to determine the status of collections and the amounts of outstanding balances.
- Network within communities to find and attract new business.
- Evaluate data pertaining to costs to plan budgets.
- Establish procedures for custody or control of assets, records, loan collateral, or securities to ensure safekeeping.
- Prepare operational or risk reports for management analysis.
- In-charge of product sales.
- Developing and implementing new methods for promotion of various products.
- Encouraging creation of new clients for the branch.
Administrative Support Manager
Punjab National Bank
Jalandhar
05.2019 - 03.2022
- Allocated budgets in different parameters to branches under the control.
- Kept track of achievement of budgets of all the branches under the control.
- Performed audit functions and was responsible to find lapses in loan processing and routine working of the branches.
- Trained and mentored department staff on policies and procedures to establish strong foundation for client development and service activities.
- Performed wide-ranging administrative, financial and service-related functions.
- Ordered and distributed office supplies while adhering to fixed office budget.
- Increased customer service success rates by quickly resolving complaints of the customers.
- Planned and coordinated logistics and materials for board meetings, committee meetings and staff events.
- Achieved most of the targets related to government business allocated by head office.
- Received appreciation certificate from PFRDA (Pension Fund Regulatory and Development Authority) for extra ordinary performance under campaigns organized by Government of India.
- Was also responsible for recruiting BC (Business Correspondents) at circle level in different branches.
Loan Officer
Punjab National Bank
Bareilly
06.2016 - 05.2019
- Processed loans of different types.
- Provided quick turnaround times to dispose the loan applications in time.
- Maintained long-term relationships with customers to provide best-in-class customer service.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Issued reports for old and new loans based on field inspections of loan sites.
- Created strategies to develop and expand customer base.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Explained very technical financial information to applicants in easy to understand language.
Education
Post Grad Diploma - Financial Services
University of Ulster
Northern Ireland01.2012
BA (Hons) - Accounting and Finance
Griffith College
Dublin, Ireland01.2009
Skills
- Team collaboration and building
- Regulatory compliance
- Credit assessment and risk mitigation
- Performance appraisal and reviews
- Employee training and development
- Customer service and relationship management
- Operational reporting
- Conflict resolution
- Staff supervision and optimization
- Revenue enhancement
- Leadership and team management
- Loan processing and marketing
- Cash handling expertise
- Financial analysis
Certification
- Completed JAIIB certificate (Junior Associate of the Indian Institute of Bankers)
- Completed CAIIB certificate (Certified Associate of the Indian Institute of Bankers)
- Presently elected as president of AIPNBOF (All India Punjab National Bank Officers Federation)
- Holds a license and certification (IRDA) to sell mutual funds and insurance products
Affiliations
- Loves to play cricket and was selected as captain of the Griffith College cricket team in Dublin.
Accomplishments
- Achieved all the allocated budgets for lending continuously for three years in a row
Languages
3,B1
Languages
Hindi
First Language
English
Upper Intermediate (B2)
B2
References
References available upon request.
Timeline
Branch Manager
Punjab National Bank
04.2022 - Current
Administrative Support Manager
Punjab National Bank
05.2019 - 03.2022
Loan Officer
Punjab National Bank
06.2016 - 05.2019
Post Grad Diploma - Financial Services
University of Ulster
BA (Hons) - Accounting and Finance
Griffith College