Anu Balakrishnan

• Coordination and execution of Loan from Life (Sanction) to Disbursement
• Onboarding of new Corporate Clients, specifically NBFC Customers
• Dealing with Corporate Clients in collecting required data/information's/documents for processing the loan request
• Sharing credit opinion requests to the lenders of the customers
• Assisting crediting team for credit underwriting
• Preparation of Loan Documents and coordinate with customers/branch to get it executed
• Arrange Required documents for loan disbursement
• Arranging required documents to Auditors/customers/peer leaders like provide required documents to customers, clear audit queries, exchange of Information's, issue NOC, etc.
• Handling various MIS functions related to corporate loans to senior management in prescribed formats.
• Record maintenance of assisted clients like maintaining confidential documents for each customer separately and keep track records.
• Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of customer preferences.
• Ensured completed end to end assistance for servicing existing loans/customers
• Service Portfolio for existing Customers include, reminders for repayment and ensuring timely repayment as per the schedule
• Defined clear targets and objectives and communicated to other team members.

Retail Loan Processing

• Processing different types of loan products mainly agriculture loans and salaried personal loans.
• Reviewed financial statements, KYC, Credit Reports and contacted customers through sales officers to clarify details.
• Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
• Processed loans within various departments to achieve timely, accurate and fair proceedings.
• Evaluated eligibility against established bank and government lending standards.
• Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
• Performed Central Fraud Registry (CFR) and Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI) checks.
• Ensured on time accurate update of the Loan Tracker.
• Performed effective data analysis and formulated MIS Reports for business review.
• Preparation and Review of Loan Sanction Letter to promote efficiency and accuracy.
• Maintained strict confidentiality of bank records and client information.

Micro-Banking Loans

• Recommended loan approvals and denials based on customer credit history.
• Complied with regulatory requirements of Bank, Anti Money Laundering, Privacy etc.
• Sanctioned Loans based on government and internal guidelines.

• Handled all cash transactions of the institution and maintained the cash register
• Ensured accurate daily consolidation of accounts by maintaining cash and denomination book.
• Operated cash register for cash transactions with excellent accuracy levels.
• Formulated daily, weekly and monthly reports for business review.
• Delivered exceptional level of service to each customer by listening to concerns and answering questions.
• Advised clients on various Gold Loan schemes available and provided information on various other products available.
• Assisted clients with improving financial health by counseling on issues.

• Implemented initiatives to improve customer satisfaction and increase repeat business.
• Corresponded with customers and conferred with coworkers to answer inquiries or resolve account problems.
• Conducted research to answer questions and handle issues using multiple systems and resources.
• Developed advanced product knowledge to share current information while generating and delivering product details.
• Responded to customer questions and concerns or escalated to supervisor for resolution.
• Gathered customer information and maintained in database.
• Formulated MIS Reports for Business review

• Managed Cash flow at the branch and ensured accurate consolidation of accounts.
• Market the various Gold Loan Schemes available and provide information to customers on other financial products.
• Appraisal of ornaments to ensure quality.
• Used critical thinking to break down problems, evaluate solutions and make decisions.
• Improved operations through consistent hard work and dedication.
• Used Microsoft Word and other software tools to create documents and other communications.
• Arranged files and receipts to keep records organized and easily searchable.