GOBINDA BEHERA
BHUBANESWAR
Summary
To excavate the hidden potential and to bring it to practical use both for organizational and self-improvement. I am a dedicated Branch Operation Manager with a B. Com in Commerce and extensive experience of 10 years in branch banking and operations management. My proven expertise in team leadership, customer relationship management (CRM), and business development has consistently driven branch performance and customer satisfaction. With a strong background as a Personal Banker Authoriser , I excel in coaching teams to achieve operational excellence and foster lasting customer relationships. I am committed to leveraging my skills to enhance branch efficiency and drive growth.
Overview
10
10
years of professional experience
Work History
Branch Operations Manager
HDFC Bank
Sambalpur
09.2022 - Current
- Analyzed weekly sales figures and adjusted staffing accordingly.
- Coordinated customer service initiatives and staff training.
- Analyzed competitors and market trends to facilitate business growth.
- Disciplined employees to encourage compliance with company policies and procedures.
- Created financial management mechanisms to minimize financial risk to business.
- Managed branch files per recordkeeping and compliance requirements.
- Actively participated in seminars and webinars related to mortgage industry topics and trends.
- Identified valuable solutions for customers with credit problems.
- Provided guidance on mortgage products, rates, fees, points, and other related services.
- Performed quality assurance reviews on completed loans for accuracy prior to submitting them for underwriting review.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Attended weekly sales meetings to discuss new products, marketing strategies, industry trends.
- Negotiated terms of loans with borrowers to meet their individual needs while adhering to company policies.
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Verified all information on the loan application was accurate and complete.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
Senior Relationship Manager
DCB Bank
Jeypore
10.2021 - 11.2022
- Analyzed credit reports, appraisals, title reports, and other documentation to ensure compliance with lending regulations.
- Recorded applications for loan and credit, loan information and disbursements of funds.
- Reviewed and corrected errors on interest, principal and closing costs.
- Evaluated and adjusted loan files to meet banking, federal and secondary market regulations.
- Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
- Scanned and uploaded loan and related documents into system.
- Followed up on any outstanding items or documents required for processing loans.
- Conducted property appraisals and title searches to assess loan collateral.
Assistant Manager
ICICI Bank
Puri
08.2014 - 10.2021
Education
B. Com - Commerce
Shri Budhanatha High School
12.2011
B. Com - Commerce
Utkal University Nimapara College
Nimapara, Odisha04.2011
Commerce
Utkal University
Commerce
NIMAPARA COLLEGE
Nimapara, OdishaSRI BUDHANATH HIGH SCHOOL
Skills
- Team Leadership
- Team Management
- Branch Banking
- Market Knowledge
- Customer Relationship Management (CRM)
- Sales Operations
- Cash Management
- General Insurance
- Retail Asset Loans Overdraft etc
- Business Loans
- Mutual Funds
- Operations Management
- Retail Marketing
- Sales & Marketing
- Loans
- Customer Engagement
- Sales Management
- Life Insurance
- Sales
- Personal Loans
- Credit Cards
Accomplishments
- Increased the branch Retail CASA size from 6 Crores to 25 Crores after joining the organization
- Bagged 3 times Best Sales Officer Award during 2015-2017.
- Successfully opened 245 govt. Accounts. TASC Accounts
- Sold 2.5 Cr. of life insurance
- Sold 250 Units of General Insurance
- Increased Gold Loan Business From 40 Lac To 4 Cr
- Opened Fixed Deposits of an amount of 5 crores
- Sold More Than 500 Credit cards
- Increased Auto Loan Business From 13 Lac to 2 Cr in a Financial Year
- Increased Two Wheeler Business to 35 Lacs in a Financial Year
- Opened 2000+ saving household saving accounts and 85 current accounts
- Opened 45 Savings Accounts with 12 Privilege Savings Accounts For DCB Bank Ltd
- Opened Fixed Deposit of an amount of 50 Lacs
- Disbursed 1.20Cr New Gold Loan For DCB Bank Ltd
- Disbursed 20 Lacs Home Loan For DCB Bank Ltd
- Sold 4 Lac. of life insurance For DCB Bank Ltd
- Sold 15 Units of Health Insurance For DCB Bank Ltd
Placeofbirth
BHUBANESWAR
Civilstatus
Unmarried
Personal Information
- Title: Deputy Manager- Personal Banker - AUTHORISER
- Date of Birth: 09/09/91
- Gender: Male
- Nationality: INDIAN
Languages
- Odia
- English
- Bengali
- Hindi
- Telegu
Hobbies and Interests
- Cricket
- Gardening
- Cooking
- Biking
Languages
Odia
First Language
English
Upper Intermediate
B2
Hebrew
Proficient
C2
Timeline
Branch Operations Manager
HDFC Bank
09.2022 - Current
Senior Relationship Manager
DCB Bank
10.2021 - 11.2022
Assistant Manager
ICICI Bank
08.2014 - 10.2021
B. Com - Commerce
Shri Budhanatha High School
B. Com - Commerce
Utkal University Nimapara College
Commerce
Utkal University
Commerce
NIMAPARA COLLEGE
SRI BUDHANATH HIGH SCHOOL
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