Pratik Rana

• Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
• Handling credit portfolio of Branch - Proposal Sourcing through various strategies.
• Make sure “The 5 Cs of Credit”- Character, Capacity, Capital, Collateral and Conditions comply as per Banking Norms.
• Analysis of the Corporate and Individuals Borrowers in lieu of the Credit History through CIBIL Transunion Score.
• Calculating and Analyzing the Financial Ratios for the Liquidity, Solvency and Profitability of the Borrower.
• Cross verifying the facts and figures through Account Operations.
• Analysis of the Project Feasibility to calculate MPBF and Verifying the reliability of the Projections/CMA Data in terms of Proposed Income so as to calculate DSCR/ICR as applicable.
• Calculating DP for the Borrower and preparation of credit memorandum.
• SWOT analysis of portfolio and highlighting gaps and suggesting actionable.
• Ensuring no adverse features in legal and valuation of collateral, Compliance of sanction terms and condition, Documentation, Disbursal, Unit Visits along with end use of the Bank Finance.
• Accountable for Sales & Business Development in terms of CASA, Deposit, Advances, Customer Service, Compliance & Risk Management, Branch Profitability, Branch Administration, Capability Building & Manpower Management.
• Responsible to protect the asset quality of the branch and monitoring of the accounts.
• Responsible for satisfactory rating in all internal/external audit of the branch, cost management, regulatory compliance and system & procedure, KYC audit & AML, Cash Management etc.

• Strengthened relationships with key clients through regular meetings, updates, and followups.
• Participated in industry events as a representative of the organization, positioning our brand as an industry leader within the region.
• Being thorough banking management professional with extensive experience in developing Credit client relationships and referral networks.
• Delivered exceptional results through branch business development, client management and strategic planning.
• Responsible for achieving individual target in Business Banking, Reviewing Associate performance, assign duties, ensuring high quality service & customer relationship management and ensuring cost & productivity norms are met & compliance with banking rules, regulations & procedures.
• Ensuring timely resolution of customer queries/complaints and improving customer service.

• Improved operational efficiency by streamlining processes, reducing costs, and optimizing resources.
• Attending to all audit findings and resolve them if discrepancies found
• Compliance of sanction terms and condition, ensuring adequate insurance of collateral security and stock, Co-ordination with credit monitoring team.
• Coordinating with Forex Department for LC, BG, PCL and FCL.
• Prepared documentation for corporate as well as retail loans viz, working capital limits, working capital term loan, machinery loan, home loan, vehicle loan etc.
• Responsible for day-to-day Operations of the branch such as RTGS/NEFT, Cash payment & Receipts, I/W & O/W Clearing, tax payment, account opening, Issue of Demand Draft etc. and ensuring strict compliance with Bank's policies and procedures.
• Monitoring of dummy accounts, suspense accounts, deferred accounts, accounts payable/ receivable.
• Compiled reports on operating functions, ensuring efficiency and confirmation with compliance and regulatory standards were maintained at acceptable levels.
• Assisted Branch Managers in providing leadership, motivating and training employees to increase bank revenue goals along with customer performance goals.
• Business Development and Relationship Management with existing customer base.
• Managed a portfolio of high-value accounts, ensuring client retention and revenue growth.

• Provided exceptional customer service, resolving issues promptly and maintaining client trust throughout the resolution process.
• Responsible for Branch Banking Operations viz Clearing, Transfer, Cash, ATM, Reports Management etc.
• Acquiring New Customer for the Bank and Provide Best Banking Services and Products.
• Conducting various customer services meetings and events in banks for awareness of banking.
• Responsible for providing convertible business leads for Products like Insurance, Loan and Deposits, CASA etc.
• Strengthened client relationships by actively listening to their needs and providing tailored financial solutions.
• Identified new business opportunities through diligent market research and analysis, contributing to increased revenue growth.

• Wholly responsible for sales & operational activity along with the branch.
• Responsible to help residential as well as commercial customers with loan applications, approvals and modifications.
• Collaborated with cross-functional teams to drive successful completion of complex projects within deadlines.

Involved in income tax return filing, loan document processing and internal audit tasks