Manjula Gawari

Summary : 9+ years of experience as a Credit Officer is seeking a middle management position where I can utilize my professional skills in a dynamic organization which promotes personal growth and career advancements.

Skills : FINACLE, Microsoft Office: Word, Excel, PowerPoint, Leadership, Team Building, Strong Decision Making, Analytical Skills

Description :

• 9+ years experience in Retail, SME & Commercial Loans as well as Non Fund Based facility- Inland Letter of Guarantee & Inland Letter of Credit.
• Identifying the customers for the loan facility.
• Verifying credit application forms creditworthiness of all customers and submit for further approvals.
• Reduction of TAT with all due diligence.
• Issuance of Facility Advice Letter (FAL) as per latest RBI guidelines & confirm the compliance of all Terms & Conditions.
• Mortgage of the respective securities offered as per FAL & recording of the same.
• Sending the original invoices with supporting documents to the customer, file a copy of the full set in the customer file and another copy in the sequential file.
• Establishing credit limits and credit days for customers and ensure with proper follow up that the payments and balance are not exceeding the limit.
• Internal rating of the accounts and confirm the compliance of the external rating.
• Passing the loan transactions as per FAL & daily transactions of the facilities.
• Preparing and send the statement of accounts to all customers at the beginning of each month.
• Reviewing the transactions on a daily basis and follow up due payments with customers. Maintain a healthy relationship with all regular customers by follow up visits.
• Following up with the front office team, reservations team for any outstanding high balances in the guest ledger.
• Ensuring any doubtful debts are brought to the attention of the controller on a timely basis. Ensure any doubtful debts are brought to the attention of the controller on a timely basis.
• Ensuring the enforceability of the security documents.
• Passing the provisioning & write off entries.
• Coordinating with legal team for any Suit filing of case.
• Submission of the monthly, quarterly, yearly reports for the credit portfolio of the Branch.
• Handling of Internal & RBI Audit.
• Also well versed with Banking department like Deposit, General Banking, Govt Dept.
• Offered friendly and efficient service to customers, handled challenging situations with ease.
• Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
• Actively listened to customers' requests, confirming full understanding before addressing concerns.