Singing or Playing Music
Mohit Shrivastava
Banker
Guna
Summary
with 7+ years of experience in providing exceptional customer service, conducting financial transactions, and managing accounts. Skilled in identifying clients' needs, cross-selling products, and ensuring compliance with banking regulations. Seeking a challenging role in a reputable bank to utilize my expertise and contribute to the growth of the organization.
Overview
8
8
years of professional experience
5
5
years of post-secondary education
3
3
Languages
Work History
Relationship Manager (Deputy Manager)
HDFC BANK LTD
Guna
02.2023 - Current
- Developed and maintained relationships with agricultural clients, providing personalized financial guidance and tailoring loan packages to meet their specific working capital needs.
- Collaborated with cross-functional teams to analyze creditworthiness of potential borrowers, evaluating financial statements, market conditions, and industry trends to ensure sound lending decisions.
- Effectively managed a portfolio of agricultural loans, monitoring loan performance, conducting risk assessments, and implementing proactive strategies to mitigate defaults and ensure timely repayment.
- Proactively identified growth opportunities within the agricultural sector, staying updated on industry news and trends, and actively seeking out new business opportunities to expand the loan portfolio and drive revenue growth.
Relationship Manager (Deputy Manager)
BANDHAN BANK LTD
Guna
10.2019 - 01.2023
- Creating a database of clients for agriculture landing in new Branch. Building trust with potential clients and converting in KCC accounts.
- Cross selling products such a home loan, gold loan etc. to existing clients of KCC.
- Creating awareness among clients and motivating for timely repayment to maintain a profitable portfolio.
- Continuously evaluating clients with PDl's and reviews to continue with the account or increase capacity
- Developed and maintained strong relationships with agricultural clients, resulting in a 40% increase in loan portfolio within the first year.
- Analyzed financial statements and credit risk to determine loan eligibility.
- Collaborated with cross-functional teams including credit analysts and underwriters to ensure timely and accurate loan processing.
- Implemented effective loan monitoring strategies, resulting in a 2% decrease in delinquency rates and improved overall loan portfolio performance.
Rural Portfolio Officer
HDFC BANK LTD
Guna
10.2016 - 09.2019
- Regularly connecting with new clients and creating leads for the purpose of lending against agricultural land with various activities such as Village penetration drives etc.
- Preparing data of Potential clients and following up with interested clients for Agriculture Loans.
- Preparing data of portfolio with details of Leer of Acknowledgement Debt, Credit Approval Memo, Post Disbursement document etc.
- Vising at new costumer's premises for inspection of the facts presented by the clients and verification of the documents and processing the files are assessment of moral hazards.
- Maintaining database (Portfolio) of NPA customers and following up with them for repayment. 6. Coordinating with government departments and bank lawyers for recovering the loan amounts from NPA costumers to increase the portfolio profitability.
Assistant Acquisition Manager
KOTAK MAHINDRA BANK LTD
Guna
10.2015 - 05.2016
- Managed a portfolio of high-net-worth clients, providing personalized financial advice and tailored investment strategies to meet their individual goals.
- Worked on Branch banking sales CASA, LI, FD, RD, GI, operational work.
- The clearing house the data, arrives the settlement and route the image and requisite data to paying banks.
- Worked at CC-OD Limits, A/c opening, cross sells etc.
Education
High School Diploma -
National Higher Secondary School
Guna, India 07.2009 - 03.2010
Bachelor of Commerce - Financial Accounting
Gandhi Vocational Collage
Guna, India 07.2010 - 04.2013
Master of Arts - English Language And Literature
Bhagwati Institute
Guna, India 07.2016 - 05.2018
Skills
Risk Managment
Team Player
Loans
Banking
Customer portfolio management
Relationship building and management
Product knowledge
Financial services
Business Development
Additional Information
Dedicated banker with a strong specialization in all types of loans, aiming to leverage comprehensive financial expertise to contribute to [Company Name]'s success in providing tailored lending solutions to clients.
Interests
Connecting with Nature
Explore or distant Lands
Write Notes
Timeline
Relationship Manager (Deputy Manager)
HDFC BANK LTD
02.2023 - Current
Relationship Manager (Deputy Manager)
BANDHAN BANK LTD
10.2019 - 01.2023
Rural Portfolio Officer
HDFC BANK LTD
10.2016 - 09.2019
Master of Arts - English Language And Literature
Bhagwati Institute
07.2016 - 05.2018
Assistant Acquisition Manager
KOTAK MAHINDRA BANK LTD
10.2015 - 05.2016
Bachelor of Commerce - Financial Accounting
Gandhi Vocational Collage
07.2010 - 04.2013
High School Diploma -
National Higher Secondary School
07.2009 - 03.2010