Jothi Kumar S

• Having over 6 years of experience in the banking industry. Managing the team, handling branch operations and branch compliance, serving as the SME Business Field Credit Manager, and catering to the needs of different segments of customers at the branch level by ensuring the best customer service experience.
• Where I managed the following key responsibilities and roles over the period.

SME Relationship Manager:

• Acquire and manage working capital customers (NTB and existing) for funding solutions such as cash credit, overdraft, term loans, etc.
• Analyze and verify loan applications and supporting documents.
• Risk assessment and credit analyses to determine the borrower's ability to repay.
• Ensure all the applications comply with our company policies and regulatory standards.
• Stay updated on industry and market trends.

Branch Operations:

• Verifying and authorizing all transactions.
• Team Management - Supervise a team of five employees by allocating work and providing them support to accomplish a smooth functioning of banking operations.
• Branch Compliances & AML – Monitoring branch regulatory compliance and rectifying the issues on time to safeguard the bank's operations. Also, monitor and report the money laundering activities to the Central Office.
• Loans and Advances – Processing loan proposals, documentation, pre-sanction, and post-sanction follow-ups.
• NPA and SMA management – experienced in SARFAESI and DRT/legal court proceedings for the recovery of loan dues and reducing stressed accounts through daily follow-up.
• Foreign remittances: handling inward and outward remittances, LC, and BG.
• Cash Management – Verifying and tallying the daily cash closing balance, and maintaining the cash limit within the retention limit.
• Jewel Loan – Opening and Managing a Jewel Loan Portfolio.
• Customer Handling - Customer queries, complaints, and grievance redressal.

Sales:

• Sourcing new business for the bank, such as advances, deposits, and CASA, and maintaining individual client relationships with customers for business deepening.
• Cross-selling of insurance partner products.
• Conducting customer awareness campaigns, etc.