Arpit Rangari
Bhopal
Summary
Dynamic Banking Officer with extensive experience at Bank Of India, excelling in risk analysis and customer relationship management. Proven track record in approving loans and enhancing product offerings, while ensuring regulatory compliance. Adept at fostering client trust and delivering exceptional service, driving significant growth in loan business and customer satisfaction.
Overview
5
5
years of professional experience
Work History
Banking Officer
Bank Of India
Gairatganj
05.2024 - Current
- Approved or denied loan applications based on established guidelines.
- Attended periodic training sessions related to consumer lending operations.
- Developed and maintained relationships with potential customers to increase loan business.
- Conducted risk analysis to identify potential losses associated with certain loans.
- Responded promptly to customer inquiries regarding their accounts or other matters related to consumer lending operations.
- Researched account issues as needed when discrepancies arise between borrower records and actual payment history.
- Participated in community events to promote bank's consumer lending services.
- Processed payments received from borrowers in accordance with established policies and procedures.
- Identified opportunities for cross-selling additional products and services.
- Assisted in the development of new products and services for loan customers.
- Explained various types of loans available to customers and their associated terms and conditions.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Provided customer service support throughout the entire process from application through closing.
- Counseled clients on debt management and repayment plans.
- Verified accuracy of loan documents prior to approval.
- Performed quality assurance reviews on all closed loans for compliance purposes.
- Delivered high levels of customer service to facilitate smooth processes.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
Deposit Officer
Bank Of India
Bareli
05.2023 - 05.2024
- Reconciled discrepancies between physical cash counts versus electronic transaction data.
- Resolved discrepancies in records by contacting customers or other branches as necessary.
- Received and processed customer deposits, verifying accuracy and ensuring compliance with bank policies.
- Managed daily operations within assigned area including scheduling tasks for team members.
- Performed daily reconciliation of accounts to ensure accuracy of balances.
- Balanced daily deposit totals to ensure accurate record keeping of funds received.
- Ensured proper handling of cash, checks, and other financial instruments according to established procedures.
- Monitored branch vault inventory levels throughout the day to maintain adequate supplies of cash on hand.
- Verified customer identification before accepting deposits to ensure compliance with anti-money laundering regulations.
- Answered customer questions about interest rates and fees associated with deposit products.
- Established new accounts for customers according to bank guidelines while providing excellent customer service.
- Assisted customers with account inquiries and transactions such as withdrawals or transfers between accounts.
- Promoted facility security by monitoring customer behaviors and following established protocols to protect individuals and assets.
Loan Officer & Recovery Officer
Bank Of India
Bareli
06.2022 - 05.2023
- Developed and maintained relationships with potential customers to increase loan business.
- Approved or denied loan applications based on established guidelines.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Verified accuracy of loan documents prior to approval.
Loan Officer & Recovery Officer
Bank Of India
Shahaganj
10.2020 - 06.2022
- Developed and maintained relationships with potential customers to increase loan business.
- Provided customer service support throughout the entire process from application through closing.
- Assisted in the development of new products and services for loan customers.
- Verified accuracy of loan documents prior to approval.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Delivered high levels of customer service to facilitate smooth processes.
- Reviewed loan agreements to confirm completeness and accuracy.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
Education
B.Tech - Mechanical Engineering
Nri Institure of Science And Technology
Bhopal07-2017
High School Diploma -
Savior Convent School
Bhopal05-2013
Skills
- Risk analysis
- Credit evaluation
- Customer relationship management
- Regulatory compliance
- Account reconciliation
- Customer service
- Product knowledge
- Problem solving
- Effective communication
- Portfolio management
- Credit and collections
- Banking software proficiency
- Credit assessment
- Balance transfers
- Branch operations
- Powerpoint presentations
- Professional demeanor
- Due diligence
- Security
- Forward-thinking
- Community relations
- Expertise in Excel
Languages
Hindi
First Language
English
Upper Intermediate (B2)
B2
technical knowledge
- Good knowledge of Ms Word , Ms Excel , Ms Powerpoint . Knowledge of and knows how to use AI
Timeline
Banking Officer
Bank Of India
05.2024 - Current
Deposit Officer
Bank Of India
05.2023 - 05.2024
Loan Officer & Recovery Officer
Bank Of India
06.2022 - 05.2023
Loan Officer & Recovery Officer
Bank Of India
10.2020 - 06.2022
B.Tech - Mechanical Engineering
Nri Institure of Science And Technology
High School Diploma -
Savior Convent School
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