Juhi Thaker

• Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
• Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
• Forecasted trends and recommended improvements based on financial risk analyses.
• Examined customer loan applications for loan approvals and denials.
• Complied with regulatory guidelines and requirements.
• Resolved various issues impacting sales management and business operations.
• Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
• Compiled database of loan applicants' credit histories, financial statements and other financial information.

• Resolved various issues impacting sales management and business operations.
• Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies.
• Generated financial and operational reports to assist management with business strategy.
• Boosted sales and customer loyalty through incentive programs.
• Complied with regulatory guidelines and requirements.

· Undertook daily management of transaction surveillance and customer match results.

· Managed due diligence, Regulatory Compliance and risk evaluation of potential money laundering.

· Analysed, processed and recommended Retail Loans (HL, VL, PL, EL, Credit Cards etc)

* Analysed ,processed and recommended MSME loans (Working Capital, TL, BG LC etc) (upto 1 cr),thereby Streamlined underwriting processes to improve efficiency and reduce turnaround time.

· Used LAPS (oracle Based), CIBIL, Experian, Equifax, CRIF and many other sites/software to perform credit appraisals, document verification and loan approvals.

· Collaborated with management to evaluate credit strategies and develop improvements.

· Obtained and interpreted financial statements to assist in credit limit reviews.

· Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams. Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.