BINU BABU
Vadodara
Summary
Accomplished Branch Manager with more than 11 years of experience with a proven track record at CITY UNION BANK LTD, having experience of working in various regions of Gujarat, excelling in customer identification through financial health analysis, security analysis, risk management, and relationship building. Leveraged financial analysis and interpersonal skills to enhance branch operations, achieving significant client retention, business growth, credit monitoring, recovery, and NPA management. Renowned for driving team performance and optimizing customer satisfaction through strategic leadership and financial oversight.
Overview
11
11
years of professional experience
Work History
Branch Manager
City Union Bank Ltd
GANDHIDHAM
04.2023 - 01.2025
- Proficient at performing banking operations effectively and efficiently, coordinating with various branches, and managing a variety of branch banking operations.banking operations
- Proficient in customer identification, financial analysis, loan processing, loan documentation, timely disbursements, regular compliance, and recovery and NPA management.
- Proficient at handling quality, personalized customer service and building relationships with various clients.
- Sourcing and processing of housing loans, cash credit, project term loans, and various overdraft facilities with proper documentation, timely disbursements, and regular compliances
- Following the processes and procedures of the bank, and ensuring compliance with the rules and regulations of the bank, including the latest circulars and notifications.
- Managing Customer centric operations, forwarding customer instructions to the concerned department and ensuring customer satisfaction by achieving delivery & service quality norms with minimum TAT
- Interfacing with clients for understanding their requirements and cultivating relations with them for customer retention & securing repeat business
- Reviewed loan applications to ensure accuracy and compliance with regulations.
- Implemented internal control procedures to minimize risk exposure and maximize profitability.
- Provided guidance and support to team members regarding problem resolution and customer service issues.
- Built strong rapport with new and existing clients to better serve financial needs and deepening of business.
- Managed and inspired team members to perform to full potential, driving branch profitability.
- Conducted regular performance reviews for all employees in the branch.
- Performed regular audits of financial records in order to ensure accuracy.
Branch Manager
CITY UNION BANK LTD
ANAND
03.2020 - 04.2023
Deputy Manager
CITY UNION BANK LTD
RAJKOT
09.2017 - 02.2022
Assistant Manager
CITY UNION BANK LTD
SURAT
08.2013 - 09.2017
Education
MBA - Finance
Acharya Institute of Management And Sciences
Bangalore01.2013
Bachelors - Commerce
Maharaja Sayajirao University
Vadodara01.2011
Skills
- Business development expertise
- Account analysis expertise
- Expert in risk management and security analysis
- Relationship building and management
- Customer service
- Decision-making
- Regulatory compliance and audit handling
- Loan documentation
- Client acquisition and deepening
- Branch operations management
- Upselling and cross selling
- Financial analysis
- Team supervision and handling
- Collections, recovery and NPA management
Competencies
Customer identifications for credit facilities, customer acquisitions and deepening and Sourcing and processing of Housing loans/Mortgage loans/Cash credit/Project term loans and various overdraft facilities through financial data and balance sheet analysis. Verifying and valuaing the securities offered and legal title clearance of the securities, loan documentation, MOD registry and Ensuring compliance to rules and regulations of the bank and Audit compliance, Managing customer centric operations, Interfacing with clients for understanding their requirements and Handling recovery, collections, and NPA management, and enforcing SARFAESI procedures procedures.
Languages
- English
- Hindi
- Gujarati
- Malayalam
- Tamil
Professional Snapshot
An astute professional with more than 11 years of experience in entire Banking Operations, Client Relationship Management, credit analysis and disbursements, loan documentation and compliance and NPA recovery and collection. Capable of acquiring clients and building relations and deepening of business and sourcing of excellent client base for the bank.
Personal Information
- Place of Birth: Kerala
- Date of Birth: 11/03/90
- Marital Status: Married
Affiliations
Full of energy and a vibrant individual who enjoys sports and outdoor activities, traveling, music, and good food
Languages
Malayalam
First Language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Gujarati
Proficient (C2)
C2
Tamil
Intermediate (B1)
B1
Accomplishments
Establising a brand name for the organisation over the years
Timeline
Branch Manager
City Union Bank Ltd
04.2023 - 01.2025
Branch Manager
CITY UNION BANK LTD
03.2020 - 04.2023
Deputy Manager
CITY UNION BANK LTD
09.2017 - 02.2022
Assistant Manager
CITY UNION BANK LTD
08.2013 - 09.2017
MBA - Finance
Acharya Institute of Management And Sciences
Bachelors - Commerce
Maharaja Sayajirao University
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