MURUGAN MA

• Playing an End-to-End Role from On-boarding, due diligence, preliminary business viability analysis, processing of SME Credit Proposal, documentation, disbursement, and maintenance of SME Portfolio of with an approximate size of Rs.300 Crs
• Key role of marketing and identifying Low Risk - High Yielding Business opportunities among the SME segments
• Financial analysis and credit rating of prospective customers and their credit requirement
• Conducting conducive informative pre sanction and post sanction inspection to ascertain the risk involved and end use of funds
• Responsible for formulating strategic initiatives in alignment with business goals
• Implemented post sanction follow up procedures for recovery of dues and increase borrower connectivity
• Implemented recovery measures for NPA accounts like action under SARFAESI act, setting up of reserve price for E-auction and sale of assets
• Cross sell and up sell various products of the Bank generating miscellaneous non-interest income
• Drove business development through networking community outreach, business presentations, cold calls, conducting customer meets, road shows etc
• Performed detailed financial analysis and preparation of sanction notes
• Liaison between customers and management to provide necessary concessions and facilities outside basic packages
• Engaged in conduct of CRM activities at Branch and Regional Level
• Formulate and suggested Innovative and impact creating methodologies for Post-sanction formalities and monitoring systems and procedures

Previous Roles

• Performed end-to-end Role from Sourcing, Due Diligence, Credit Recommendation, Documentation and Disbursement of Retail Credit Segment that includes Housing Loan, Car Loan and Personal Loans
• Performed post-sanction formalities in Housing Loans that includes EM Creation, CERSAI, liasoning with the customers and the other Nationalized Banks for taking custody of Title-Deeds in case of take over and follow up of NPA accounts
• Issuance Bank Guarantee and Discounting of Bills in Trade Finance Software
• Performed basic Core Banking and day to day Branch operations like assistance in mobile and internet banking, issuance of debit cards and hot listing of lost debit cards, transfers, FD & RD opening, NEFT & RTGS transactions, demand draft issuance, ATM loading, Cheque Truncation for clearing etc.

• Conducting and analysis of scalability tests for software applications using Loadrunner tool
• Identification and reporting of bottleneck in web applications using Apache J-Meter
• Instrumental in creation of various test cases with scalable and variable parameters using Java

95.08%

92.64%

CGPA: 7.54/10.00