MANVIZHI KAMARAJ

• Conducted regular performance reviews with team members to monitor progress towards goals.
• Analyzed financial reports to identify trends and areas for improvement.
• Handled escalated customer inquiries regarding account balances or transactions.
• Reviewed reports from sales teams on product performance metrics.
• Facilitated meetings between senior management personnel and customers as needed.
• Ensured regulatory compliance with all applicable laws and regulations related to financial services industry.
• Developed and implemented strategies for increasing branch banking services efficiency.
• Analyzed customer data to identify areas where improvements could be made in service delivery.
• Monitored market trends in order to stay ahead of competition.
• Supervised branch staff members in the daily operations of the branch banking services division.
• Established key performance indicators to measure success of branch banking services initiatives.
• Planned and executed marketing campaigns to promote new products and services.
• Provided leadership training and coaching to motivate staff to reach their full potential.
• Managed the budget for all branch banking services activities including staffing costs, equipment purchases.
• Interacted regularly with customers to understand their needs and provide solutions accordingly.
• Prepared presentations for executive management summarizing progress against objectives.
• Maintained up-to-date knowledge of bank's products, services, regulations, and compliance requirements.
• Created customer service policies and procedures to ensure a high level of client satisfaction.
• Resolved conflicts among staff members in an efficient manner.
• Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
• Managed relationships with tax authorities, bankers and auditors.
• Created financial management mechanisms to minimize financial risk to business.
• Analyzed competitors and market trends to facilitate business growth.
• Recommended approval or disapproval of different loan types based on established criteria.
• Collected and checked borrower income, credit history and employment information.
• Reviewed credit applications and financial statements to determine customer creditworthiness.
• Analyzed customer accounts, payment trends, and credit ratings to assess risk of default.
• Prepared detailed reports summarizing customer profiles, risk assessments, and recommendations for approval and denial of new lines of credit.
• Maintained accurate records of all customer interactions including notes on conversations and decisions made.
• Followed banking requirements and government lending regulations.
• Ensured that all relevant documents were collected before making a decision about granting a line of credit.
• Provided training and guidance for junior staff members in order to help them develop their skills as Credit Officers.
• Assessed property appraisals, title histories and insurance information.
• Examined collateral to establish market value and assessed repayment capacity using secondary revenue sources before loan approval.
• Identified areas where improvements could be made in the existing process for granting credits.
• Assessed the impact of new products or services on current credit policies.
• Responded promptly and professionally to inquiries from customers regarding their accounts.
• Worked closely with collections departments in order to ensure timely payments from customers.
• Cultivated and maintained comprehensive industry knowledge to assess risk solutions and maximize returns.
• Negotiated payment plans with delinquent customers in order to minimize losses due to non-payment.
• Provided guidance and advice on credit management practices to internal stakeholders.
• Collaborated closely with sales teams to understand their needs while ensuring sound risk management practices were followed.
• Performed periodic audits on customer accounts in order to verify accuracy of information provided by applicants.
• Investigated customer complaints regarding billing errors or other discrepancies.
• Developed policies and procedures for approving and managing customer credit limits.
• Led, structured and negotiated complex credit transactions and documentation to mitigate risk.
• Researched industry best practices related to consumer lending regulations.
• Trained rookie credit staff in application processing, credit analysis and loan disbursement to detect and curb fraud.
• Determined credit approval based on financial standing, credit records, and payment history.
• Double-checked account and application information provided by clients to assist in making accurate credit decisions.
• Forecasted credit needs and client payment abilities to support accurate and effective decision-making.
• Assessed risks and application details for clients to compare data against standard loan approval and denial structures, minimizing risk and maximizing business returns.
• Collected debt information about clients by contacting banks, credit services and credit bureaus to determine meeting financial obligations.
• Met with credit applicants to acquire personal and financial information used to process credit report.
• Provided customer credit information to official representatives from banks and other financial institutions.
• Verified current and historical residences, property ownership and various types of debt by accessing public records and directories.
• Answered incoming inquiries to discuss credit report information with subscribers.
• Submitted delinquent accounts to collections department or outside resources.
• Verified applicants' references pertaining to employment, health history and social behavior.
• Wrote contracts and terms for approved credit requests, fulfilling legal and financial requirements to protect institution.
• Determined resources required to achieve successful software conversion and validation upgrade.
• Disseminated information regarding cash flow to appropriate stakeholders, enabling decisions for credit risk policy adjustments.
• Informed applicant of credit research results in writing with formal credit reports.
• Created standard operating procedures and delivered training to credit personnel to improve operational efficiency.
• Entered credit slips and return requests to issue authorizations and process returns documentation.
• Implemented new initiatives, which resulted in quicker payments and better turnaround times to resolve customer issues.
• Identified possible issues with credit systems and monitoring by streamlining processes ahead of time.

AGRI OFFICER

• Reviewed reports from extension agents concerning crop performance data from test plots.
• Provided support services during harvest time, including transportation assistance and storage solutions.
• Inspected farms to ensure compliance with government regulations regarding food safety, environmental protection and labor standards.
• Monitored and evaluated the progress of farm projects.
• Analyzed market trends in order to identify potential opportunities for growth in the agriculture sector.
• Conducted research on various aspects of the agricultural industry, such as soil fertility, crop rotation, pest control and irrigation systems.
• Advised farmers on appropriate marketing strategies for their produce.
• Developed and implemented agricultural policies to improve production and efficiency.
• Researched emerging technologies that could be used by farmers to increase yields or reduce costs.
• Assisted with the implementation of government-funded programs designed to promote improved agricultural production methods.
• Assessed applications for funding programs related to agriculture development initiatives.
• Prepared detailed reports summarizing research findings related to agricultural productivity improvement strategies.
• Collaborated with local organizations involved in promoting sustainable agricultural practices.
• Participated in conferences related to advances in agronomy, horticulture and other areas of agriculture science.
• Facilitated communication between relevant stakeholders within the agricultural industry.
• Provided technical advice to farmers on best practices in crop production, animal husbandry, fertilization and pest control.
• Facilitated integration of new technology into daily processes.
• Inspected products and processing procedures to assess safety for consumption and compliance with government mandates.
• Filled out and submitted paperwork for approved operations and reports describing critical violations.
• Marked materials with grade or acceptance status.
• Notified management promptly of systemic concerns with production line and recommended improvement plans.
• Used HACCP principles to assess risks of different food-related items and document findings.
• Identified diseases and problems such as airsacculitis, tumors, septicemia and other condemnable and non-condemnable conditions.
• Monitored meat slaughtering and processing conditions to assess necessary sanitation levels.
• Organized field trips for farmers to observe different farming practices and technologies.
• Investigated cases of suspected violations of agricultural legislation and regulations.
• Established production standards for food ingredients, additives and compounds to assist packaging procedures.

PROCESSING HEAD

• Maintained accurate records of employee attendance, leave requests, performance reviews.
• Reviewed project plans regularly with the senior management team to ensure deadlines are met and objectives achieved.
• Provided guidance on complex projects, ensuring tasks were completed accurately and efficiently.
• Implemented best practices for managing workloads among the SME team members according to individual skillsets.
• Researched new technologies or processes that could be used to enhance the SME teams' capabilities.
• Conducted regular meetings with the SME team to review progress and address any issues.
• Organized training sessions for new employees joining the SME team, providing guidance on job responsibilities.
• Monitored daily activities of the SME team, ensuring all necessary tasks were completed in a timely manner.
• Motivated and coached team members to reach goals, providing constructive feedback.
• Identified areas for improvement within the SME team and developed action plans to address them.
• Assisted in resolving conflicts between team members and provided support when needed.
• Developed and implemented strategies to improve team performance.
• Collaborated with other departments to ensure successful completion of cross-functional projects.
• Developed effective communication channels between different departments within the organization in order to facilitate collaboration among teams.
• Ensured that all staff adhered to company policies and procedures while performing their duties.
• Analyzed data from various sources to identify trends and develop solutions for improving efficiency.
• Participated in recruitment activities such as interviewing potential candidates for open positions within the SME team.
• Managed budgets related to the SME team, ensuring resources were allocated appropriately.
• Created reports summarizing key metrics such as productivity levels, customer satisfaction ratings.
• Offered one-on-one support for team members and managers to drive continuous improvement.
• Maintained positive working relationship with fellow staff and management.
• Identified needs of customers promptly and efficiently.
• Utilized document management system to organize company files, keeping up-to-date and easily accessible data.
• Evaluated needs of departments and delegated tasks to optimize overall production.
• Analyzed key performance indicators to identify effective strategies.
• Monitored operations and reviewed records and metrics to understand company performance.
• Assessed company operations for compliance with safety standards.
• Created plans to propose solutions to problems related to efficiency, costs or profits.
• Oversaw quality control to identify inconsistencies and malfunctions.
• Organized client meetings to provide project updates.
• Wrote and submitted reports on industry trends, prompting managers to develop business plans.
• Audited company's legal documents to verify compliant policies and procedures.
• Analyzed company's expenditures and developed financial models.

RECOVERY HEAD

• Trained new staff on proper use of collection software applications as well as effective debt collection techniques.
• Developed and implemented strategies for successful completion of recovery goals.
• Developed strategies to improve collections processes while ensuring compliance with applicable laws and regulations.
• Collaborated with other departments to ensure that all customer inquiries were addressed promptly and efficiently.
• Identified potential areas of risk within the organization's existing portfolio by analyzing trends in delinquency rates or default rates.
• Worked closely with legal counsel regarding potential litigation matters involving customers who are delinquent on their obligations.
• Established key performance indicators for measuring success in achieving organizational objectives related to recovery efforts.
• Managed the development, implementation, and maintenance of policies, procedures, standards, systems, processes, and tools related to recovery activities.
• Performed root cause analysis when necessary to determine underlying issues causing delays or failures in achieving desired results.
• Negotiated settlements with customers who have delinquent accounts in order to reduce outstanding balances owed by the company.
• Conducted regular meetings with team members to review and assess progress of recovery initiatives.
• Analyzed data to identify areas in need of improvement and develop solutions to address them.
• Monitored financial performance of the organization's recovery operations in order to identify opportunities for cost savings or increased efficiency.
• Ensured adherence to internal controls designed for protecting confidential information related to customer accounts.
• Created reports summarizing progress against established goals and objectives.

Head of department

• Conducted regular meetings with team members to review progress on projects.
• Established clear goals, objectives and timelines for the department's success.
• Managed staff scheduling, workload allocation and task delegation.
• Resolved conflicts between team members in a timely manner while maintaining a positive work environment.
• Participated in strategic planning sessions to determine long-term goals for the organization.
• Provided guidance on professional development opportunities for employees.
• Developed and implemented strategies to improve departmental performance.
• Monitored departmental performance against established targets and benchmarks.
• Set performance expectations for all members of the department through effective communication.
• Reviewed reports from subordinate staff and took appropriate action where necessary.
• Ensured that all operations complied with applicable laws, regulations and standards.
• Implemented processes to increase efficiency in day-to-day operations.
• Prepared presentations for senior management highlighting key achievements of the department.
• Collaborated with other departments to coordinate activities and ensure successful outcomes.
• Performed budgeting responsibilities including forecasting expenses and preparing financial statements.
• Assessed staffing needs, recruited personnel and provided training for new hires.
• Analyzed customer feedback data to identify trends or areas of improvement in service delivery.
• Identified areas of improvement within the department by analyzing metrics data.
• Cultivated talented team of departmental employees through outstanding mentoring, coaching, and teaching skills.
• Followed safety protocols and company processes and procedures.
• Exercised discretion and judgment in managing fast-paced environment adapting to change with sense of urgency.
• Modeled supportive leadership qualities, motivating staff to achieve department goals and promote staff participation and team building.
• Balanced workloads to meet targets without overtaxing employees.
• Grew department's team and technical capabilities with hiring and training of talented individuals.
• Worked closely with sales associates to complete tasks.
• Kept department on-target to meet sales and profit objectives by minimizing waste and pursuing revenue generation opportunities.
• Executed targeted merchandising and promotional plans to meet department sales goals.
• Supported shrinkage and safety awareness, reviewed sales and inventory data, identified trends and prepared reports for management.
• Utilized excellent math skills to maintain accurate inventory levels.
• Handled shift overstock, restocking, and inventory control.
• Performed opening and closing duties as part of management team and handled cash management.
• Prepared weekly schedules to verify proper floor coverage within fiscal guidelines.
• Monitored and reported on departmental performance metrics, adjusting strategies as necessary.
• Utilized technology and software for inventory management and sales reporting.
• Supervised, trained, and developed team members, enhancing their performance and professional growth.
• Coordinated with suppliers and vendors to negotiate contracts and secure favorable terms.
• Fostered a positive and inclusive work environment, promoting teamwork and collaboration.
• Analyzed competitors and market trends to identify opportunities for growth and differentiation.
• Managed daily operations, ensuring efficient workflow and productivity.
• Oversaw merchandising and display efforts, enhancing product visibility and appeal.
• Analyzed sales data and market trends to adapt strategies and maximize profitability.
• Reviewed completed work to verify consistency, quality, and conformance.
• Remained calm and professional in stressful circumstances and effectively diffused tense situations.
• Analyzed business performance data and forecasted business results for upper management.

risk

• Identified potential risks associated with granting new loans or renewing existing ones.
• Coordinated closely with legal teams when necessary in order to resolve complex disputes between lenders and borrowers.
• Compiled data related to debtors' assets, liabilities, income, expenses, and payment history.
• Performed risk assessment on customers' creditworthiness using established criteria.
• Created detailed financial projections based on past performance trends and industry standards.
• Processed customer credit applications and documents in accordance with bank procedures.
• Prepared monthly reports summarizing loan activity and delinquency status.
• Participated in meetings with senior management staff members to discuss various options for improving credit operations processes.
• Collaborated with other departments to ensure smooth processing of credit applications.
• Evaluated current market conditions to make appropriate decisions concerning lending practices.
• Maintained accurate records of all loan-related activities in the organization's database system.
• Conducted regular reviews of delinquent accounts in order to assess collection strategies.
• Provided guidance on the most suitable type of loans available according to customer needs.
• Participated in training sessions on new products and services offered by the company.
• Researched and analyzed customer financial information to determine eligibility for loans.
• Ensured that all relevant documents were properly filled out before submitting them for review.
• Monitored loan accounts to ensure timely payments and maintained records of all transactions.
• Developed strong relationships with external partners such as banks and insurance companies in order to facilitate business operations.
• Reviewed loan requests for accuracy, completeness, and compliance with applicable regulations.
• Responded promptly to inquiries from customers regarding their accounts and payments due dates.
• Assisted customers with any questions or concerns regarding their loan application process.
• Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
• Verified customer identity by obtaining proper documentation from applicants.
• Contacted customers to notify of delinquent payments and resolve.

HO SME

• Responded promptly to inquiries from government representatives concerning organizational policies or programs.
• Monitored media coverage related to governmental relations issues and prepared summaries as needed.
• Managed communications with elected officials regarding organizational positions on pending legislation or regulation changes.
• Created reports outlining progress made towards achieving governmental relations objectives.
• Researched relevant legislative developments and monitored political trends in the region.
• Assisted in developing strategic plans for influencing public policy initiatives.
• Provided technical advice on proposed legislation impacting the organization's mission.
• Prepared detailed analyses of proposed legislation or regulations impacting the organization's operations.
• Maintained an up-to-date understanding of relevant laws and regulations governing lobbying activities.
• Represented the organization at conferences, seminars, workshops, and similar events related to governmental relations matters.
• Developed talking points for use when discussing pertinent topics with legislators or other stakeholders.
• Analyzed data related to pending legislation or regulations that could affect the organization's interests and provided recommendations accordingly.
• Cultivated relationships with federal, state, and local elected officials to influence public policy decisions.
• Drafted letters of opposition or support for various pieces of legislation as appropriate.
• Participated in coalition building efforts to further organizational objectives.
• Organized meetings with legislators, their staffs, agency personnel, lobbyists, and other key stakeholders to discuss current issues of importance to the organization.
• Attended events held by government agencies and other organizations to monitor activities affecting the organization's interests.
• Collaborated with internal departments on projects requiring input from a governmental relations perspective.
• Developed and implemented strategies to ensure effective communication between the organization, government officials, and other stakeholders.
• Prepared written materials for presentations at hearings or other forums.
• Coordinated grassroots campaigns to support specific legislative goals of the organization.
• Identified target audience and developed optimized communication plans to engage and interest individuals.
• Built and maintained corporate image, brand and identity.
• Designed and edited promotional publications.
• Oversaw special promotional events to drive positive media coverage, boost revenue and enhance sales.
• Created and optimized promotional publications and related materials.
• Developed and maintained company corporate image and identity using logos and signage.
• Identified client groups and audiences, determining best way to communicate publicity information.
• Established and maintained working relationships with clients, government officials and media representatives.
• Coordinated positive media interviews and events sponsorships.
• Observed and reported on social, economic and political trends that affect employers.
• Built and updated crisis communication plans to handle diverse situations.
• Managed team personnel, budget and schedule to handle demanding PR requirements.

BANK MANAGER

• Managed daily workflow including assigning tasks to staff members.
• Resolved customer inquiries quickly and efficiently while maintaining excellent service standards.
• Monitored loan portfolio performance, risk management activities, and compliance with regulatory requirements.
• Created and maintained a positive work environment within the branch.
• Conducted regular meetings with staff members to discuss progress towards goals.
• Ensured compliance with banking laws and regulations through periodic review of internal policies.
• Reviewed customer complaints and took appropriate action as needed.
• Developed and implemented strategies to increase customer satisfaction ratings.
• Investigated suspicious transactions that could be linked to money laundering activities.
• Prepared monthly reports on branch operations and submitted to corporate office.
• Maintained strict confidentiality of customer information at all times.
• Processed and approved international and domestic wire transfers, cashed checks and posted deposits and withdrawals.
• Provided guidance and training to team members in order to ensure proper procedures were followed consistently.
• Performed daily audits of cash drawers, deposits, withdrawals, transfers.
• Participated in community events related to banking services provided by the bank.
• Coordinated with other branches to ensure smooth operation across all locations.
• Created sales action plans to consistently meet employee retention, profit, customer experience and lending goals.
• Identified areas of operational weakness or potential fraud risks in the bank's systems.
• Conducted weekly consultative sales meetings with prospects and clients to drive deposit growth.
• Evaluated new products for suitability within the bank's offerings.
• Analyzed financial data to identify trends and opportunities for improvement.
• Directed team members in authorizing loans and opening checking and savings accounts.
• Explained benefits of various investment options to help customers fulfill personal investment goals.
• Delivered associate performance evaluations to determine merit increases and bonus amounts.
• Examined markets to inform customers on profitable purchases and financial opportunities.
• Developed or analyzed information to assess current or future financial status of firms.
• Checked payroll, vendor payments and other accounting disbursements for accuracy and compliance.
• Coordinated preparation of external audit materials and external financial reporting.
• Recommended new financial and accounting software packages. replacing various non-integrated offerings.
• Created and updated financial reports on frequent basis to present information to leadership teams.
• Built financial models to allocate resources, forecast cash and investment needs and make capital budgeting decisions.
• Conducted reviews and evaluations for cost-reduction opportunities.
• Invested funds and recommended appropriate dividend issuances based on historical dividend patterns and expected cash flows.
• Used hedging to mitigate financial risks related to interest rates on company's borrowings.
• Developed invoicing systems and internal controls to boost billing efficiencies.