Jyoti

• Managing overall products Targets- CASA, Assets & Third-Party products.
• Set attained targets of revenue profitability growth and cost controls
• Developed [implemented plans budget to attain growth of assets book of branch.
• Responsible for MSME book Growth viz a viz Identifying, solutioning & own boarding NTB customers.
• Handled portfolio of fund-based limits incl. work capital, project/term loans, gold loans and Non fund-based limits like BG, LC
• Expertise in details credit analysis, financial statement analysis ,CMA and execution of loan documentation
• Reviewing and renewing existing assets portfolio , monitoring and recovering NPA and SMA portfolio
• Coordinating with other banks for lending/ borrowing; complying with statutory requirements laid down under different acts governing banking regulations
• Ensured compliance with banks own & regulatory guidelines and facilitated audits.
• Cultivate relationships with individual & corporate customers and developing cross product business generation.
• Guiding and mentoring the team while managing productivity through proper profiling and value addition.
• Steering customer centric banking sales & ensuring customer satisfaction by achieving delivery & service quality norms
• Positioning wealth management banking products and rendering superior advisory to High Net Worth Individual (HNI) clients
• Acquisition of new group customers in existing portfolios and tap opportunities for NTB customer & deepening existing Branch book. 1
• Closely monitoring of all loan accounts in line with RBI guidelines; conducting self-audit and restructuring processes to reduce operational risk
• Managing the portfolio for retail loans viz. mortgage loans, personal loans, vehicle loans and business loans for the branch

• Ensured smooth functioning of day-to-day branch operations
• Ensured compliance with statutory and bank guidelines
• Assessed and processed various asset products such as home loans, loan against property, car loans, loan against gold, and educational loans
• Utilized sound judgment and financial statement analysis to determine customer credit worthiness
• Established credit limits and took proactive steps to mitigate risk
• Achieved assigned branch assets and liability targets
• Managed credit reviews and renewals in a timely manner
• Managed non-performing assets (NPA) follow-up and recovery
• Implemented credit holds and releases in collaboration with sales and operations teams
• Achieved fee and income targets.

• Ensured smooth functioning of day-to-day branch operations.
• Ensured compliance with statutory and bank guidelines.
• Assessed and processed various asset products such as home loans, loan against property, carloans, loan against gold, and educational loans.
• Utilized sound judgment and financial statement analysis to determine customer credit worthiness.
• Established credit limits and took proactive steps to mitigate risk.
• Achieved assigned branch assets and liability targets.
• Managed credit reviews and renewals in a timely manner.
• Managed non-performing assets (NPA) follow-up and recovery.
• Implemented credit holds and releases in collaboration with sales and operations teams.
• Achieved fee and income targets.