M. MANIKANDAN

• Evaluated loan applications and assessed credit risk through thorough reviews of financial statements and credit reports.
• Analyzed loan portfolios to monitor performance, identifying and mitigating risks effectively.
• Ensured compliance with lending policies and regulations, adhering to underwriting guidelines and anti-money laundering standards.
• Managed loan disbursements and collections, tracking repayment schedules and addressing delinquent accounts.
• Communicated with loan applicants and stakeholders, providing feedback and guidance throughout application processes.
• Cultivated relationships with lending institutions and service providers to enhance operational efficiency.
• Recommended process improvements and best practices to optimize lending functions.
• Assisted with various lending and credit tasks as necessary.

Executed Risk-Based Internal Audit inspections across multiple branches.

• Performed Gold, Flash, surprise, and compliance inspections to uphold standards.
• Evaluated internal controls to mitigate errors, fraud, and operational issues.
• Ensured branch adherence to regulations and internal policies.
• Enhanced operational efficiency through targeted risk management initiatives.
• Strengthened compliance frameworks to promote organizational integrity.

• Oversaw security inventory management for cash and gold items at branch level.
• Achieved monthly targets consistently assigned to branch operations.
• Verified completed work for quality, consistency, and compliance standards.
• Monitored daily operations to ensure adherence to established protocols.
• Engaged with customers to identify needs and address various issues.
• Utilized effective interpersonal skills to foster positive customer interactions.

• Executed new CASA acquisition to expand client base.
• Cross-sold life insurance, general insurance, and mutual funds to enhance product offerings.
• Generated leads for retail asset loans, driving business growth.
• Maintained daily, weekly, and monthly transaction reports for accurate record-keeping.
• Monitored cash retention limit to ensure compliance with financial regulations.
• Closed daily cash transactions accurately without errors.
• Administered maintenance of branch documents, registers, and vouchers for operational efficiency.
• Processed end-of-day reports on time to support management decision-making.