Summary
Overview
Work History
Education
Skills
Interests
Travel, Dance , History
Timeline
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Darel Roberts

Finance, Credit Analyst, Insurance, Operations
Bangalore

Summary

I have been an Operations Manager focused on successful team building, cost-cutting and operational improvements. Determined to cut costs without impacting quality of products sold and services provided. Reliable team player committed to building high-performing teams. Have been offering high-level experience in supervision of workover and completion operations. I am well organized, attentive to detail and vigilant in achieving safety and environmental impact reduction objectives. Worked as a Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths. Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss. Advanced Operations Manager offering years of experience and proven success in quality assurance and leadership. Highly skilled in streamlining operations and improving throughput through continuous process improvement and cross-functional collaboration. Accomplished in building high-performing teams and inspiring staff to achieve goals.

Overview

25
25
years of professional experience
3
3
years of post-secondary education
6
6
Languages

Work History

Credit Officer, Operations, Business Planning

State Bank of India
Bangalore
10.2009 - 03.2022
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Recommended approval or disapproval of commercial, real estate or credit loans.
  • Organized and finalized loan applications for underwriter review.
  • Reviewed and verified income, credit reports and employment histories for each borrower.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
  • Obtained and interpreted financial statements to assist in credit limit reviews.
  • Adhered to banking standards and government lending guidelines for loan services.
  • Checked appraisals, title information and insurance documents for each property.
  • Used LMS and Bancassurance to perform credit appraisals, document verification and loan approvals.
  • Worked in matrix management environment with oversight of division level managers, operations, sales, finance, human resources, safety and compliance.
  • Optimized credit approval and collection processes, improving operational efficiencies
  • Established positive and effective communication among unit staff and organization leadership, reducing miscommunications and missed deadlines.
  • Reviewed operations reports to understand numbers and trends.
  • Increased profit by streamlining operations.
  • Introduced new methods, practices and systems to reduce turnaround time.
  • Led improvement initiatives to advance operational efficiencies and increase revenue.

Insurance Advisor

State Bank of India
Bangalore
10.2009 - 03.2022
  • Evaluated business and individual customer needs and financial situations to propose individualized policy recommendations.
  • Developed marketing strategies to promote new insurance contracts or suggest additions and changes to existing policies.
  • Explained features, advantages and disadvantages of various policies to promote insurance sales.
  • Calculated premiums and established payment methods.
  • Maintained high standards of customer service by building relationships with clients.
  • Determined client needs and financial situations by listening and scheduling fact-finding appointments.
  • Built relationships with clients using active listening and issue resolution to provide excellent service.
  • Cultivated new business by offering presentations on financial well-being to individuals and groups on term and whole life insurance.
  • Upsold additional products and services after identifying customer needs and requirements.
  • Worked to accommodate new and different insurance requests and explored new value opportunities to optimize insurance agency reputation.
  • Explained advantages, features and disadvantages of various policies to provide transparency

Education

Bachelor of Computer Applications - Computers

Field Marshal K M Cariappa College
Madikeri
06.2006 - 05.2009

Skills

    Documentation preparation

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Interests

Latin Dance

Travel

Music

Ancient History

Basket Ball

Table Tennis

Travel, Dance , History

My passion towards dance and travel has been there since childhood. Have been taking part in various competitions and dance shows events doing choregraphy teaching new talents as well as learning from new teachers from all over the country and different parts of the world. Historic places excites me to know the culture and the tradition followed up since ancient times. Travel , dance and History has all been important part of my life.

Timeline

Credit Officer, Operations, Business Planning

State Bank of India
10.2009 - 03.2022

Insurance Advisor

State Bank of India
10.2009 - 03.2022

Bachelor of Computer Applications - Computers

Field Marshal K M Cariappa College
06.2006 - 05.2009
Darel RobertsFinance, Credit Analyst, Insurance, Operations