Narendran Loganathan

• Provided strategic leadership and oversight for all branch operations, ensuring adherence to regulatory compliance while fostering strong client relationships and effectively managing credit risk
• Led a team of banking professionals to achieve business targets and deliver exceptional customer service, overseeing all aspects of branch operations, including business development, credit management, risk mitigation, and regulatory compliance
• Drove strategic initiatives aimed at substantial business growth, enhancing profitability, improving customer satisfaction, and expanding the branch's client base
• Spearheaded campaigns to promote and cross-sell a variety of financial products and services, tailoring solutions to meet the unique needs of both individual and business clients
• Analyzed financial data, monitored key performance indicators, and generated reports to identify improvement areas, optimize resource allocation, and ensure the financial health of the branch
• Managed branch operations, including project management and operations management, ensuring audits were completed on time across all branches
• Conducted Know Your Customer (KYC) and Customer Due Diligence (CDD) processes for new and existing clients, performing Enhanced Due Diligence (EDD) by verifying customer information in person
• Implemented cost-cutting measures to improve profitability, including minimizing external hiring to retain more of the branch's advance profits
• Achieved 200% of the advances target, 105% of the cross-selling target, and 150% of the deposit target for two consecutive fiscal years (2022-23 and 2023-24), significantly boosting branch profitability
• Grew branch profitability from Rs 13,000 to Rs 27 lakhs, resulting in notable growth in branch financial performance
• Successfully increased the branch's client base and enhanced customer engagement, contributing to a noticeable increase in foot traffic and customer loyalty
• Expanded cross-selling efforts, achieving high uptake in life insurance, general health insurance, and mutual fund products by engaging high-net-worth individuals and local customers through personalized home visits and consultations
• Promoted medical and vehicle insurance to rural customers, increasing awareness and enrollment in insurance products by highlighting the benefits of financial protection
• Led a team of five branch members, driving growth in customer satisfaction, profitability, and overall branch performance

ACCOMPLISHMENTS

• Received Nagercoil Region's Best Performance Award for deposit and advance growth in the 2022-23 fiscal year, recognized as a top performer among 51 regional branches
• Achieved Nagercoil Region's Best Performance Award again in 2023-24 for outstanding performance in both advances and deposits, maintaining top status among 51 regional branches
• Awarded for Mortgage and Real Estate Portfolio Management (RHD), demonstrating excellence in managing housing and real estate portfolios
• Recognized for exceptional performance in Credit Risk Management (CRM) with 100% accuracy in CRM evaluations, underscoring expertise in credit risk assessment and adherence to regulatory standards
• Successfully maintained a perfect MTA (Monthly Target Achievement) record, achieving all assigned business targets consistently.
• Secured a Double A rating on internal audits, reflecting strong adherence to compliance standards and operational efficiency

• Managed a substantial credit portfolio of high-net-worth individuals, focusing on portfolio growth while minimizing credit risk and delivering exceptional service to maintain strong client relationships
• Built and maintained strong client relationships with high-net-worth individuals to understand their financial needs and risk tolerance, ensuring a personalized approach to portfolio management
• Major portfolio was commercial real estate projects
• Others included pharma exports and marine exports
• Analyzed financial statements, assessed creditworthiness, and conducted in-depth risk evaluations of clients to recommend credit limits and tailor loan structures aligned with their financial objectives
• Determined appropriate loan structures and terms for high-net-worth individuals, ensuring alignment with the bank's risk appetite and adherence to regulatory standards
• Hosted new clients and ensured continued satisfaction of existing clients to prevent accounts from becoming non-performing assets (NPAs) or delinquent
• Collected and analyzed balance sheets and profit and loss statements post-loan issuance to monitor client financial health and loan performance
• Oversaw a diverse portfolio with a primary focus on commercial real estate projects, complemented by pharma exports and marine exports, ensuring strategic alignment with client financial goals and risk profiles

ACCOMPLISHMENTS

• Increased the loan portfolio by Rs 35 Crore within a single fiscal year through successful business development initiatives and effective client acquisition strategies
• Achieved year-to-date team growth of Rs 45 Crore with zero non-performing assets (NPAs) or delinquent accounts, demonstrating strong credit risk management and team leadership

• Evaluated, processed, and underwrote loan applications, ensuring compliance with regulatory guidelines and internal risk standards to maintain the quality and integrity of the loan portfolio
• Conducted thorough due diligence on loan applications, including verifying financial information, analyzing credit history, and assessing risk factors to determine creditworthiness and mitigate potential defaults
• Collaborated with loan officers and branch staff to gather necessary documentation, address discrepancies, and resolve customer queries for a seamless client experience
• Monitored and managed non-performing assets (NPAs), identifying root causes of defaults, exploring recovery options, and initiating legal proceedings when necessary to minimize losses

ACCOMPLISHMENTS

• Issued 15 to 20 loans monthly on average, maintaining a maximum 5-day turnaround time for loan approval
• Maintained portfolio quality with 90% performing loans and limited non-performing assets to 10%, ensuring a strong portfolio performance
• Processed and secured approvals for 200+ loan proposals under government-sponsored schemes, including Prime Minister Mudra Yojana, Prime Minister's Employment Guarantee Programme, Unemployed Youth Employment Guarantee Programme, and Tamil Nadu Adi Dravidar Housing and Development Corporation

• Participated in a comprehensive training and development program as a probationary officer, covering essential banking functions such as sales, marketing, trade finance, and branch operations
• Completed extensive training in core banking operations, regulatory guidelines, credit analysis, risk management, and customer service, gaining a solid foundation in banking principles and practices
• Gained hands-on experience in various aspects of retail banking operations, including processing customer transactions, handling loan applications, opening new accounts, and providing personalized financial advice

ACCOMPLISHMENTS

• Processed 8,000 to 9,000 customer transactions per month with a high accuracy rate, leveraging software tools to ensure efficient and error-free processing
• Carefully verified all loan applications during the training period, resulting in zero rejections due to thorough attention to detail
• Opened an average of 75 new accounts per month, contributing to branch growth and expanding the client base through effective account management

• Oversaw daily branch operations, ensuring efficient and compliant delivery of banking services in line with internal policies and procedures
• Managed the credit process, including reviewing loan applications, evaluating creditworthiness, and ensuring adherence to regulatory guidelines and bank risk tolerance levels
• Led a team of banking professionals to meet business goals, ensuring exceptional customer service and adherence to regulatory standards
• Implemented customer-focused strategies to improve satisfaction by offering personalized financial solutions, proactively resolving issues, and building strong client relationships
• Analyzed branch performance metrics, identifying areas for improvement and implementing process enhancements to boost operational efficiency and enhance customer experience
• Consistently led the team to exceed business targets, achieving high levels of customer satisfaction and reinforcing customer loyalty through exceptional service quality
• Successfully maintained full regulatory compliance across all branch operations, ensuring zero regulatory breaches or violations during tenure
• Enhanced operational efficiency by implementing process improvements, contributing to a measurable improvement in branch performance metrics and overall service delivery
• Achieved high client retention rates and increased client satisfaction scores through effective relationship management and customized financial solutions