IRFAN AFZAL
Srinagar
Summary
Accomplished Branch Credit Manager at J&K Bank, adept in credit analysis and team management, increased net profit by 23%. Spearheaded initiatives to surpass advances target, streamline operations, and enhance customer satisfaction. Excelled in client relationship management and risk assessments, driving significant reductions in bad assets and fostering a high-performing team environment.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Branch Credit Manager
J&K Bank
08.2015 - Current
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Increased net profit by 23% YoY to exceed goals.
- Successfully achieved desired CASA Ratio
- Reduced Bad Assets by a satisfactory figure of 27%
- Advances target surpassed YoY to 107 Crores.
- Reviewed more than 38 financial statements per month.
- Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite.
- Enhanced branch profitability by optimizing the credit portfolio mix and mitigating potential risks within lending activities.
- Maintained up-to-date knowledge of industry trends and regulatory changes, implementing necessary adjustments to maintain competitive advantage.
- Managed a high-performing team of credit analysts, providing guidance, training, and support for professional development.
- Streamlined interdepartmental communication channels to facilitate seamless information flow between the branch''s sales, operations, and risk management functions.
- Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
- Established performance benchmarks and KPIs for the credit department, regularly monitoring progress and implementing corrective measures when needed.
- Led team of 13 staff members and executives.
- Identified opportunities for business expansion through careful analysis of market trends and competitor offerings within the region''s commercial lending landscape.
- Achieved consistent customer satisfaction ratings through efficient resolution of issues related to loan applications or disbursement processes.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Collaborated with management to evaluate credit strategies and develop improvements.
Education
Master of Arts - Public Administration
INDIRA GANDHI NATIONAL OPEN UNIVERSITY
SRINAGAR08.2016
BBA - Business Administration
PUNJAB TECHNICAL UNIVERSITY
AIMT- RAJPORA PUNJAB07.2011
Skills
- Team Management
- Credit analysis
- Sales Strategies
- Credit Scoring
- Credit Reports
- Customer Engagement
- Client Relationship Management
- Risk Assessments
- Customer Service
- Interpersonal Skills
- Know Your Customer
- Staff Management
Accomplishments
- Well Versed with usage of CBS Software FINACLE 10
- Supervised team of 13 staff members.
- Completed JAIIB & CAIIB Certifications
- Promoted from Scale 1 to Scale 2 in March 2022 after undergoing rigorous process of Performance Reviews and Interview.
- Selected as Probationary Officer in Canara Bank in October 2013
Certification
- Junior Associate of the Indian Institute of Bankers in January 2015 from Indian Institute of Banking & Finance
- Certified Associate of the Indian Institute of Bankers in January 2018 from Indian Institute of Banking & Finance
Languages
English
Upper intermediate (B2)
Urdu
Upper intermediate (B2)
Timeline
Branch Credit Manager
J&K Bank
08.2015 - Current
Master of Arts - Public Administration
INDIRA GANDHI NATIONAL OPEN UNIVERSITY
BBA - Business Administration
PUNJAB TECHNICAL UNIVERSITY
Quote
Even if you are on the right track, you’ll get run over if you just sit there.
Will Rodgers
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