LAUKIK GONDALIA
BRANCH MANAGER @ BANK OF BARODA
MAHUVA,India
Additional Information
CONTACT NO: +91 - 972 447 2753
EMAIL ID: laukik13@gmail.com
Summary
BRANCH MANAGER AT BANK OF BARODA
- Skilled Branch Manager with demonstrated success in coordinating team and financial activities. Friendly and adaptable professional with remarkable leadership and program management skills.
- Results-oriented Branch Manager specializing in planning and managing total operations. Analytical and detail-oriented with over 8 years of experience.
- Poised and professional, skilled at informing clients about banking products and services while recommending best options to meet needs. Results-oriented self-motivator with over 8 years in sales and branch management, loan management and general bank operations. Excellent interpersonal skills.
Overview
8
8
years of professional experience
6
6
years of post-secondary education
2
2
Certifications
1
1
Language
Work History
Branch Manager
BANK OF BARODA
NAVSARI, GUJARAT
09.2021 - Current
- Boosted branch sales by developing and deepening customer loyalty through incentive programs.
- Recommended loan approvals and denials based on customer loan application reviews.
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
- Gathered and reviewed customer feedback to improve operations.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Developed prospects for new loans though weekly cold calling.
- Engaged employees in business processes with positive motivational techniques.
OFFICER
DENA BANK
BHAVNAGAR, GUJARAT
10.2013 - Current
- I have joined the eDena Bank from above mentioned period as Officer.
- Later on, I gain experience and expertise in various areas of banking.
- Participated in community affairs to increase branch visibility and to enhance new and existing business opportunities.
- Provided a superior level of customer relations, promoted the sales and service culture through coaching, guidance and staff motivation.
- Help customers access a variety of bank products and services by answering questions with clear verbal communication and opening new accounts, dispensing checks, activating new cards and processing currency conversions using cash handling skills
- Analyzing information about customers and examining references, credit ratings, investment risks, payslips and other information against predetermined policy standards Preparing papers setting out conditions of credit and loans, rates of repayment and loan periods, and providing information about customers' standing to financial and credit institutions CERTIFICATES.
- Optimized business processes to foster operational efficiency.
- Implemented processes that simplified procedures and reduced average processing time.
- Verified compliance with best business practices throughout organization.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Adhered to banking standards and government lending guidelines for loan services.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
- Monitored accounts for signs of fraud and non-payment issues.
- Worked with clients to define and implement terms for approved credit requests.
- Updated client accounts with new information and verified data for informed credit approvals.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Listened to customers and negotiated solutions that met creditor and debtor needs.
- Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.
- Advised customers of alternative actions and strategies for debt repayment and attempted to avoid adversarial communications.
Education
Master of Computer Applications (M.C.A) -
Saurashtra University
07.2011 - 06.2014
Bachelor of Computer Applications (B.C.A) - undefined
Bhavnagar University, Smt. K. B. Parekh College of Computer
Science
07.2008 - 06.2011
Skills
Business development expertise
undefinedCertification
IELTS
Timeline
Branch Manager
BANK OF BARODA
09.2021 - Current
IELTS
02-2020
DIPLOMA INFO SYSTEM AUDIT - IIBF
05-2018
OFFICER
DENA BANK
10.2013 - Current
Master of Computer Applications (M.C.A) -
Saurashtra University
07.2011 - 06.2014
Bachelor of Computer Applications (B.C.A) - undefined
Bhavnagar University, Smt. K. B. Parekh College of Computer
Science
07.2008 - 06.2011
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