Liji Babu
Visakhapatnam
Summary
Detail-oriented banking professional with 8 years of progressive experience in branch operations, credit scrutiny, and zonal administrative support. Currently serving as the Zonal Manager's Assistant at The Visakhapatnam Cooperative Bank Limited. Expertise in handling high-value loan cases, verifying documentation, preparing subcommittee minutes, and ensuring compliance. Recognized for precision in documentation, strong decision-making support, and facilitating smooth coordination between branches and Head Office. Eager to bring operational excellence and leadership skills to HDFC Bank.
Overview
9
9
years of professional experience
Work History
Zonal Assistant
The Visakhapatnam Cooperative Bank Ltd
04.2025 - Current
- Directly assist the Zonal Manager in Overseeing and operations of 7 branches under Zone 2 ensuring operational compliance and service quality.
- Scrutinize and verify all loan files, ensuring accuracy of supporting documents and eligibility norms.
- Review loan files up to and above ₹10 lakhs, including forwarding to Head Office after scrutiny.
- Draft minutes of Loan subcommittee meetings and maintain records of all decisions and approvals.
- Play a key role in Zonal level planning, execution of strategic initiative and monitor branch performance.
- Worked closely with management to provide effective assistance for specific aspects of business operations.
- Coordinate with branches for documentation follow ups, compliance updates and reporting needs.
Clerk
The Visakhapatnam Cooperative Bank Ltd
01.2017 - 03.2025
- Handling the Front office desk operation works in Mortgage loan department.
- Handle customers and their financial transactions through bank clerical functions i.e., to assist, serve and resolve the issues of the customers at primary point of contact.
- To process mortgage loans, Overdrafts, personal loans and business loans including MSME loans by examining application, supporting documentation, spot verification report, pre-sanction report, assessing valuation and repayment capacity, estimating credit worthiness, verification, preparing sanction letter, updating memorandum deposit of title deeds register etc..
- Managing, preparing and reviewing the loan documentation while providing support to a variety of task related to the loan process.
- Independently disburse mortgage loans, personal loans and business loans including MSME loans post sanction by the higher authorities.
- Responsible to close or preclose the loans and release documents following necessary terms and conditions.
- To identify opportunities, assess needs, conduct qualitative and quantitative analysis. Synthesize insight and provide recommendations.
- To prepare credit submissions for approval.
- Drafting of letters and office notes for credit sanction and loan review report.
- To conduct regular review of business loans operations are efficient and remain relevant as per terms and conditions
- Handling documentation and forms for opening Savings/ Current bank accounts, accepting negotiable instruments for withdrawals or transfers. To issue Cheque Books, pay order, demand drafts, passbooks and other transactions in Saving Department.
- Data interpretation from Core Banking system to enforce surprise verification and daily functional analysis
- Providing data for NPA recovery with the help of data interpretation in MS Excel .
- Ensuring all security of documents are kept in safe vaults.
- Entering borrowers data in Central Registry of Securitization and Security Interest of India- CERSAI
- Responsible to issue, close and manage operations in Safe Deposit of Lockers.
- Responsible to open Fixed Deposit and Shares by assessing the needs of the depositor as well as closing them after negotiation.
- To assist customer for accessing Digital banking, issue ATM cards and lodging cash in ATM Machine.
- Coordinating with central office for growth position, monthly performance report, monthly attendance report, rectification of errors in concurrent report etc.
Education
Post Graduation Diploma - cooperative and Rural Studies
Andhra University School of Distance Education
Visakhapatnam, India01.2019
Bachelor of Technology - Aeronautical Engineering
Kaushik College of Engineering And Technology
Visakhapatnam01.2014
Skills
- Loan File Scrutiny & Documentation
- Subcommittee Participation & Minute Writing
- Core Banking System (CBS)
- Problem solving
- Analytical Skills
- Emotional Intelligence
- AutoCAD
- CATIA
- Operating system
- Loan processing
- Banking software proficiency
- Credit assessment
- Mortgage banking and analysis
- Branch operations
- Operations management
- Expertise in Excel
- Document verification
- Transaction monitoring
Languages Known
English
Telugu
Malayalam
Hindi
Disclaimer
I hereby declare that the above mentioned particulars are true to the best of my knowledge and belief.
PASSPORT DETAILS
- Passport no: M4678019
- Date of issue: 17/12/2014
- Date of expiry: 16/12/2024
- Place: VISAKHAPATNAM
Timeline
Zonal Assistant
The Visakhapatnam Cooperative Bank Ltd
04.2025 - Current
Clerk
The Visakhapatnam Cooperative Bank Ltd
01.2017 - 03.2025
Post Graduation Diploma - cooperative and Rural Studies
Andhra University School of Distance Education
Bachelor of Technology - Aeronautical Engineering
Kaushik College of Engineering And Technology
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