Manaswi Rentala

CUSTOMER ASSOCIATE(6 Years)

Worked as Customer Associate (Sales & Support) at Guntakal main branch (Anantapur district) , Ongole town branch (Prakasam district) , Ravulapalem and Kothapeta (East Godavari) from 2010 to 2016

Job description

• Processing of receipts and payments from customer over counter
• Taking care of transfer transactions , RTGS/NEFT, drafts issue , issue of cheque books, processing stop payment requests etc.
• Opening of new accounts after proper authorization from officer
• Marketing of bank's asset and liability products and assisting branch manager for achieving branch business targets and third party product targets
• Processing transactions pertaining to government accounts.
• Helping customers to get forms, provide assistance for completion of forms , guide them to concerned desk/counters .
• Helping customers with alternate channels like issue of debit cards, internet banking facilitating customer transactions with out branch intervention.
• Pass on customers to Customer Relationship Officer (CRO) , Relationship Manager , Branch Manager for purchase of products as per their need .
• Input transactions to internal accounts on authorization by Branch Manager or any other authorized officer .
• To check Voucher Verification reports on daily basis .

TRAINEE OFFICER (2 Years)

Worked as Trainee Officer and underwent training at PBB Muvvalavanipalem branch (Visakhapatnam) and Vinukonda main branch(Guntur district) from 2016 to 2018

Mvp Colony

• Processing of Car Loans , Home Loans , Personal loans, Education Loans , Pension Loans by obtaining necessary documents from customer and input of data in Loan Originating Software for sanction.
• Undertaking documentation and post sanction formalities
• Conducted society connect programs for canvassing bank's asset products

Vinukonda Main branch

• Handling agriculture asset products like Tractor loans , Crop loans, Dairy loans, Animal husbandry etc.
• Follow up of NPA accounts in agriculture , filing of suits against default borrowers, soft recovery measures like telephonic calls, compiling and dispatch of notices to borrowers.
• Post sanction formalities after sanction of loans in agriculture segment like documentation and obtaining of revival letters .

CREDIT SUPPORT OFFICER (9 Months)

On confirmation , posted as Credit Support Officer at MSME branch , Vijayawada (September 2018 to June 2019)

Job Description

• Collecting all necessary data required for processing of proposals from
  customers
• Analyzing data, process and recommend proposal jointly with Relationship Manager (Small and Medium Enterprises)
• Maintaining relationship with SME customers and sorts out their problems related to banking operations
• Preparing sanction letter and arranging for execution of loan documents after sanction of loan.
• Ensuring compliance with all conditions and stipulations laid out in sanction letter
• Performing physical inspection of customer site and asset at periodic intervals and prepares inspection report for review by Relationship Manager
• Ensuring timely loan renewal/enhancement through follow up with customer
• Scrutinizing financial statements provided by customer and providing inputs to Relationship Manager
• Submission of irregularity reports on delinquent accounts
• Rectification of irregularities pointed out in internal audit

RELATIONSHIP MANAGER SME (1 Year)
Worked at SME Bhimavaram branch

• Handling and processing of SME Proposals from 50 lakhs to 5 Crores
• KYC verification & Pre-sanction inspection along with Credit Support Officer
• Undertake Appraisal/assessment of proposal & credit risk assessment
• Undertake due diligence including pre-sanction visit to factory/business location, collateral,have discussion, obtain necessary clarifications, prepare proposal and submit to sanctioning authority.
• Make presentation to sanctioning committee along with branch Head.
• Scrutiny of financial statements like Balance Sheet, P&L statement, MSOD etc.
• Completion of documents, creation of mortgage, registration of charge with ROC, Disbursement.
• Maximization and Achievement of Cross Selling targets.
• To ensure increase in Branch CASA.
• Relationship Management with existing customers assigned to him and also with new customers acquired
• Maintain overall control over accounts and ensure quality of portfolio
• To conduct physical inspection of customer site and assets charged to Bank at periodic intervals and prepare inspection report, put up to Branch head, ensure asset creation.
  

BRANCH HEAD( 3 Years 6 Months)

Worked at Veeravasaram branch (West Godavari), (JUNE 2019-JUNE 2021) , at Martur branch, Prakasam dt.(JUNE 2022 -JUNE 2023) and at Marrivemula, Prakasam dt.(JUNE 2023- TILL DATE)

Job Description

Business and Profitability

• Achievement of all business budgets – deposits, advances, profit, other income, cross-selling etc., including activity budgets.
• Sourcing / Marketing of proposals.
• Increasing market share of Branch.
• Achievement of budget for expenditure reduction.
• Achievement of NPA reduction/recovery targets.

Qualitative: Customer Service

• Ensuring efficient customer service level & evaluate performance of the Branch team.
• Handling of customer grievances and feedback.

Marketing and Sales

• Implementation of sales strategies in consultation with Regional Manager / Business Unit Head.
• Regular touch with top-end customers and tracking for new business from them.
• Maintaining liaison with important Government functionaries and others.

Administration

• Proper deployment of staff resources.

ACHIEVEMENTS

• Mobilized 1 Crore of Mutual funds as a part of bank's internal campaign in 3 months working as branch head (Veeravasaram) and received certificate of excellence from circle CGM.
• Received appreciation from GM(Network) for contribution in Life insurance(Veeravasaram)
• Secured AAA rating(Exceeding expectations) while working as Relationship Manager(Bhimavaram) for new customer onboarding and overall portfolio management.
• Improved internal Audit rating from C to B while working as branch head at Martur branch.
• Handled portfolio worth 60 Crores at SME Bhimavaram branch
• Recovered 40 Lakhs from written off accounts during the current financial year as branch head (Marrivemula)