ANUPRIYA
Patiala
Summary
A versatile professional with enriching extensive of 14+ years of experience in forex , retail banking , Credit Appraisal, Credit Risk Management, Financial Analysis, Wealth and Asset management, Retail and MSME Lending, Debt restructuring and recovery. A team leader and a great communicator with a vision for end to end stakeholders management
Overview
13
13
years of professional experience
1
1
Certification
Work History
PRIVATE BANKER
ICICI BANK
12.2023 - Current
- Established new accounts for high net worth individuals and serviced existing accounts to maximize revenue.
- Developed tailored solutions to meet individual banking needs.
- Liasioning with high net worth individuals in different facts of industry like real estate builders, pharma companies as well as supply chain dealers for catering to their credit needs by sourcing after initial assessment of viability of MSME proposals.
Branch Manager IN SME Intensive and Wealth Branch
STATE BANK OF INDIA
07.2019 - 12.2023
- Effectively handles an SME intensive branch with a team of officers who sourced and submitted credit and MSME proposals for sanction as per delegation of financial power
- Assessment of credit risk in credit appraisal as per loan policy of the bank and other regulatory requirements.
- Analysis, review , pre sanction and underwriting of credit proposals as per delegation of financial power as well as post sanction review
- Proficiently Liasoned with HNI clients from trade, service industry to help them in business growth and expansion and providing solutions to credit needs.
- Mentoring the team in all aspects of bushiness operations, ethics, risk assessment for taking prudent credit proposals in best interest of all the stakeholders.
- Pioneered the establishment of a groundbreaking Samriddhi-cum-Wealth branch in the region, achieving an exceptional growth rate of 38.04% within six months.
- Crafted and delivered tailored solutions from a diverse service portfolio encompassing wealth management, cross-selling, upselling, retail credit, and SME credit.
- End to end credit officer for diverse loan portfolio and Team management
CREDIT OFFICER AND FOREX OFFICER
STATE BANK OF INDIA
03.2011 - 06.2019
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Optimized lending practices by maintaining up-to-date knowledge of industry trends and regulatory requirements.
- Was instrumental in retail forex transactions and opening of NRI accounts as well as adhering to FATCA and regulatory KYC and AML regulations
Education
Bachelor of Science - Computer Applications
Panjab University
MBA - Banking And Insurance
PANJAB UNIVERSITY
2010
Master of Science - Mathematics
PANJAB UNIVERSITY
2008
Skills
CREDIT RISK ASSESSMENT
CREDIT RISK MANAGEMENT
CREDIT ANALYSIS
PORTFOLIO MANAGEMENT
STAKEHOLDER MANAGEMENT
PORTFOLIO MANAGEMENT
Accomplishments
- Recognized as a prolific public speaker, honoured at various platforms in school, college, and university.
- Awarded Best Probationary Officer in the distinguished batch of 2010-2011.
- Commended for exceeding growth targets both at the branch level and achieving high scores in compliance within the network.
- Acknowledged and felicitated for outstanding performance as the Top Performing Manager for SBI Wealth.
Certification
- JAIIB
- CAIIB
Timeline
PRIVATE BANKER
ICICI BANK
12.2023 - Current
Branch Manager IN SME Intensive and Wealth Branch
STATE BANK OF INDIA
07.2019 - 12.2023
CREDIT OFFICER AND FOREX OFFICER
STATE BANK OF INDIA
03.2011 - 06.2019
Bachelor of Science - Computer Applications
Panjab University
MBA - Banking And Insurance
PANJAB UNIVERSITY
Master of Science - Mathematics
PANJAB UNIVERSITY
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