Deveshree Prajapati
Guwahati
Summary
Highly experienced financial professional with over 10 years 10 months of experience in managing internal inspections, credit monitoring, overdue follow-up, and legal suit filing. Skilled in handling loan documents, property papers, and gold loans. Proven track record in managing retail loan portfolios, ensuring compliance with pre-and post-disbursement conditions, and maintaining strong customer relationships. Adept at branch operations, security item custody, locker management, and KYC/AML updates.
Overview
11
11
years of professional experience
Work History
Credit Officer
South Indian Bank
04.2016 - Current
- Conducted comprehensive credit assessments and evaluations for various loan applications.
- Analyzed financial statements, credit reports, and other documentation to determine creditworthiness.
- Collaborated with loan officers to review and approve loan applications, ensuring adherence to credit policies.
- Monitored loan performance and conducted periodic reviews to ensure compliance with credit policies.
- Developed and maintained strong relationships with customers, providing financial advice and support.
- Implemented credit monitoring strategies to identify and mitigate potential risks.
- Prepared detailed credit reports and presented findings to senior management for informed decision-making.
- Ensured compliance with all regulatory requirements and internal credit policies.
- Managed a portfolio of diverse loans, including personal, business, and mortgage loans.
- Conducted field visits and customer interviews to gather additional information for credit evaluations.
- Coordinated with legal and compliance teams to ensure all documentation and procedures met regulatory standards.
- Trained and mentored junior staff on credit assessment and risk management techniques.
- Implemented automated credit scoring systems, improving efficiency and accuracy in credit evaluations.
- Developed risk mitigation strategies and action plans for high-risk accounts.
- Collaborated with the collections department to manage delinquent accounts and reduce non-performing assets.
Branch Operations Manager
South Indian Bank
04.2016 - Current
- Managed internal and external inspections, ensuring full compliance with regulatory standards.
- Conducted periodic audits and prepared detailed inspection reports for senior management review.
- Monitored credit and followed up on overdue/SMA/NPA customers, ensuring timely resolution.
- Developed and implemented strategies for efficient overdue recovery and reduction of NPAs.
- Handled legal suit filing processes, maintaining thorough records and documentation.
- Collaborated with legal teams to ensure swift resolution of legal cases and minimized losses.
- Oversaw the handling of loan documents and property papers, ensuring accurate and secure storage.
- Acted as the primary Gold Loan Officer, managing all aspects of gold loan processes.
- Conducted valuations, risk assessments, and ensured compliance with regulatory guidelines.
- Supervised the retail loan portfolio, including personal, car, housing, and mortgage loans.
- Conducted credit assessments, loan disbursements, and periodic reviews of loan performance.
- Ensured compliance with all pre and post-disbursement conditions, mitigating risk.
- Updated stock statements and managed limit renewals, maintaining up-to-date records.
- Built and maintained strong relationships with prime customers as their Relationship Manager.
- Provided personalized financial advice and solutions, enhancing customer satisfaction.
- Managed branch operations, ensuring smooth and efficient workflow.
- Implemented process improvements, enhancing operational efficiency and customer service.
- Served as the custodian of security items, ensuring their safekeeping.
- Oversaw locker management, ensuring secure and organized locker operations.
- Conducted KYC and AML updates, ensuring compliance with regulatory requirements.
Gold Loan Officer
South Indian Bank
04.2016 - Current
- Managed the gold loan portfolio, assessing and approving loan applications.
- Maintained accurate records of loan documents and property papers.
- Conducted customer assessments, ensuring the eligibility and creditworthiness for gold loans.
- Ensured compliance with pre and post-disbursement conditions.
- Conducted regular audits of gold holdings, ensuring accuracy and compliance with policies.
- Developed and implemented marketing strategies to increase the gold loan customer base.
Relationship Manager for Prime Customers
South Indian Bank
10.2013 - 04.2016
- Built and maintained strong relationships with prime customers.
- Managed a portfolio of high-value accounts, ensuring personalized service and support.
- Provided tailored financial advice, investment solutions, and loan products to meet customer needs.
- Conducted periodic reviews of customer portfolios, ensuring optimal performance and satisfaction.
- Organized customer engagement events, enhancing relationships and brand loyalty.
Education
Junior Associate of The Indian Institute of Banker -
Indian Institute of Banking And Finance
Guwahati, IndiaCertified Associate of The Indian Institute of Ban -
Indian Institute of Banking And Finance
Guwahati, IndiaMBA - Major in Finance, Minor in Marketing
EIILM
Kolkata, India07.2013
Bachelor of Commerce (BCom) - Major in Accountancy
Gauhati University
Guwahati, India06.2010
Skills
- Compliance reviews
- Sales Support
- Customer Relations
- Risk Assessment
- Portfolio Management
- Loan recommendations
- Documentation Review
- Documentation Management
- Credit validations
- Application preparation
- Customer Acquisition
- Financial statement analysis
- Data Interpretation
- Credit analysis
- Documentation preparation
- Creditworthiness Determination
- Collateral risk
- Risk Analysis
Timeline
Credit Officer
South Indian Bank
04.2016 - Current
Branch Operations Manager
South Indian Bank
04.2016 - Current
Gold Loan Officer
South Indian Bank
04.2016 - Current
Relationship Manager for Prime Customers
South Indian Bank
10.2013 - 04.2016
Junior Associate of The Indian Institute of Banker -
Indian Institute of Banking And Finance
Certified Associate of The Indian Institute of Ban -
Indian Institute of Banking And Finance
MBA - Major in Finance, Minor in Marketing
EIILM
Bachelor of Commerce (BCom) - Major in Accountancy
Gauhati University
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