M Ram Prakash
Tenkasi
Summary
Hardworking Relationship Manager - Credit, possessing excellent time management and problem-solving skills who is enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Overview
8
8
years of professional experience
32
32
years of post-secondary education
4
4
Certifications
Work History
Senior Manager - MSME Relationship
Bank Of Baroda
09.2024 - Current
- Driving New MSME business for the Bank
- Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
- Held regular meetings to create business plans.
- Constantly in touch with various MSME's to tap new business opportunities for the Bank.
- Helped in achieving Branch targets set by the administrative office from time to time.
Credit Manager
Bank Of Baroda
05.2017 - 09.2024
- Involved in documentation and recordkeeping requirements for department.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Performed annual account credit limit reviews and credit increase review requests from MSME customers.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Used LLPS, CYGNET GST ANALYSER to perform credit appraisals, document verification and loan approvals.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Managed collection of receivables in SMA2 accounts and prevented them from becoming NPA
- Actively worked during COVID19 restructuring and prevented accounts from becoming thereby providing them the opportunity to reboot their businesses after COVID19 impact.
Education
MBA - Banking And Finance
Manipal Academy of Higher Education
04.2001 - 09.2021
Bachelor of Engineering - Mechanical Engineering
Thiagarajar College of Engineering
04.2001 - 06.2013
Skills
MSME Credit Appraisal
Relationship Management - NTB and ETB
Recovery
Balance Sheet Analysis
Prevention of Slippage
Credit Reports
Records Management
Application Processing
Proficient in English
Customer Engagement
NPA Management
Expertise in BOB ICON
Certification
ANTI-MONEY LAUNDERING AND KNOW YOUR CUSTOMER
Education
Madurai,Bengaluru
Contact
Tenkasi, India 627811
Timeline
Senior Manager - MSME Relationship
Bank Of Baroda
09.2024 - Current
CERTIFICATE IN COMMERCIAL CREDIT by MOODYS ANALYTICS
06-2021
CAIIB
07-2019
Credit Manager
Bank Of Baroda
05.2017 - 09.2024
ANTI-MONEY LAUNDERING AND KNOW YOUR CUSTOMER
08-2016
NISM SERIES-V-A: MUTUAL FUND DISTRIBUTORS CERTIFICATION
06-2016
MBA - Banking And Finance
Manipal Academy of Higher Education
04.2001 - 09.2021
Bachelor of Engineering - Mechanical Engineering
Thiagarajar College of Engineering
04.2001 - 06.2013