Hi, I’m
Neha Sharma
Banking Associate
Jammu
Summary
“Experienced banking operations professional with a Master’s in Commerce and 6 years of hands-on experience in streamlining banking processes. JAIIB and CAIIB certified, demonstrating a strong foundation in banking regulations, risk management, and financial systems. Proven track record in improving operational efficiency, ensuring regulatory compliance, and managing cross-functional teams. Adept at leveraging analytical skills and industry knowledge to drive strategic initiatives in the banking sector.”
Overview
6
years of professional experience
Work History
Jammu & Kashmir Bank Ltd.Jammu, Jammu & Kashmir
Banking Associate
11.2018 - Current
Job overview
- Served as Primary point of contact to Bank Customers
- Handle Customers and Respond their queries on Financial Transactions
- Process and Accept Deposits and Loan Payments from Bank Customers
- Make payments to Bank Customers after Checking and Validating Customers' Signatures on Cheques
- Check the Availability of Funds before making Payments to Customers
- Educate Customers on Bank Products and Cross-selling Banking Services and Products to Existing and Prospective Customers
- Perform Inter-bank Activities viz
- NEFT/ RTGS/ CTS CLEARING
- Generate QR Codes
- Perform Physical Verification of Cash at the end of the day and Reconcile with Banking Records
- Act as Joint Custodian for Cash & Securities
- Promote the sale of Deposit, Investment, Credit & Loan Products and Services
- Interview Applicants for personal, mortgage, student and business loans
- Assist Opening new Retail Accounts and Provide access to Automated Banking Machine, Telephone Banking, Online Banking Services
- Appraise Loan Application Status, Credit and Ability to Repay the Loan
- Submit Credit and Loan Application to Branch or Credit Manager with recommendations for approval or rejection
- Complete Credit and Loan Documentation viz making Proposals, Sanctions & Appraisal of Loan Accounts
- Review and Update and Renew Credit and Loan files
- Successfully passed JAIIB( Junior Associate of the Indian Institute of Bankers) exam conducted by the Indian Institute of Banking And Finance(IIBF)
- (2019)
- Successfully passed CAIIB( Certified Associate of Indian Institute of Bankers ) exam conducted by the Indian Institute of Banking And Finance(IIBF)
- (2023)
Education
University Of Jammu
Masters degree from Marketing
01.2013 - 1 2016
University Overview
- Specialization: Marketing
- GPA: 2nd Division
Govt. Degree College Parade
Bachelor degree from Business Studies, Business Management, Marketing & English
University Overview
- Major Subjects: Business Studies
- Subsidiary Subjects: Business Management, Marketing & English.
- GPA: 2nd Division
J & K Board of School Education
Senior Secondary School-II from Business Studies, Factory Organization/ Accounting & English
University Overview
GPA: 2nd Division
J & K Board of School Education
Class X from English, Hindi, Mathematics, Science, History, Civics & Geography
University Overview
GPA: First Division
Skills
Cash Handling
Strategic planning
Meeting sales goals
Analyzing performance
Loan approvals
Daily ledgers
Teller experience
Documentation skills
Sales proficiency
Operations management
Reviewing documents
Refinancing options
Borrower interviewing
Due diligence
Risk mitigation
Customer Relationship Management
Business Development
Account openings
Account servicing
Cross-selling expertise
Self-motivated nature
Professional demeanor
Educating clients
Goal planning
Compliance, banking laws and regulations
Accounting systems and software
Loans
Consumer banking specialist
Coursescompleted
Business Studies, Principles of Business Management, Business Communication, Business Environment, International Marketing, Principles of Marketing, Accountancy, Financial Accounting, Corporate Accounting, Management Accounting, Others, Business Economics, Income Tax, Company Law, Fundamentals of Entrepreneurship, Business Statistics, I.T & its Application in Business, Indirect Taxes, Auditing, English, Business Marketing, Organizational Behavior, Quantitative Techniques for Business Decisions, Corporate Governance & Business Ethics, International Marketing, Industrial Marketing, Service Marketing, E-Marketing, Strategic Marketing, Consumer Behavior & Marketing Research, Business Management, Strategic Management, Human Resource Management, Marketing Management, Financial Management, Advertising & Sales Management, Brand Management, Customer Relationship Management, Supply Chain Management, Others, Accounting Theory & Practice, Tax Planning & Procedure, Higher Accounting Experience
Awards
- First Prize for intra-school Declamation Competition, 2004
- 2nd Prize for intra-school Extempore Competition, 2005
- 2nd Prize & merit Certificate in 'One Act Play Competition' under 'Display Your Talent', 2012-13
- Participation Certificate in 'One Act Play Competition' under 'Display Your Talent', 2012-13
- Rank 10th Kyu/Grade (Yellow Belt) in The Art of Universal Martial Arts Academy, 2014
Training
- Personality Development in Organizational Behavior, Power Point, 1st, excellent, University of Jammu, 12/01/13
- Sun Pharmaceutical Company, Power Point, 3rd, very good, University of Jammu, 12/01/14
Activities
- Basic Programming Application (BPA), One year, Rashtriya Saksharta Abhiyan, 2012
- Merit and Appreciation Certificates in Debates, Speeches
- Memberships, Member of an N.G.O named 'Pratham Foundation', 2013-2015
Timeline
Banking Associate
Jammu & Kashmir Bank Ltd.
11.2018 - Current
University Of Jammu
Masters degree from Marketing
01.2013 - 1 2016
Govt. Degree College Parade
Bachelor degree from Business Studies, Business Management, Marketing & English
1 2013
J & K Board of School Education
Senior Secondary School-II from Business Studies, Factory Organization/ Accounting & English
1 2010
J & K Board of School Education
Class X from English, Hindi, Mathematics, Science, History, Civics & Geography
1 2008