Ritu Nair
Dombivli,Maharashtra
Summary
Results-driven banking professional with over 12 years of experience in branch operations, Credit Risk Analysis and Post Sanction Documentation. Proven expertise in evaluating creditworthiness, preparing credit proposals, and post sanction documentation. Strong analytical mindset with a focus on accuracy, timeliness, and operational efficiency.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Senior Manager
Yes Bank
05.2021 - Current
- Documentation Review- ensuring accuracy and completeness of necessary documents, such as sanction letters and loan agreements.
- Handling 50+ cases daily, ensuring accuracy, compliance and timely resolution
- Identified discrepancies or errors in documents and flagged for correction before submission.
- Verified necessary approvals and ensured proper documentation.
- Maintained organized records of checked documents.
- Collaborated with credit analysts, legal advisors, and relationship managers.
- Provided feedback to enhance efficiency and accuracy.
- Implemented quality control measures for document preparation.
- Assisted in internal and external audits
- Trained and supported junior team members.
Assistant Manager
South Indian Bank
10.2013 - 04.2021
- Worked in branch banking for over 5 years as Assistant Manager.
- Served as Credit Analyst in Mid Corporate Banking for more than 2 years.
- Assessed credit worthiness of applicants.
- Managed credit limit database and adjusted limits
Education
M.COM - Masters of Commerce
Mumbai University
Mumbai03-2016
B.COM - Bachelor of Commerce
Mumbai University
Mumbai03-2013
Accomplishments
- Received SPOT ON award twice for accuracy and determination.
- Achieved Employee of the Month for maximum transactions.
- Received Top Rating of Exceeds Arrangement
Certification
- Completed Junior Associate of the Indian Institute of Bankers (JAIIB)
- Certificate in MSME for Bankers (Micro Small and Medium Enterprises)
- Certificate in BCSBI (Banking Codes Standard Board of India)
- Certificate in Digital Banking
- Certificate in KYC-AML (Anti Money Laundering and Know Your Customer)
- Certificate in MS-CIT
LANGUAGES
English
Hindi
Malayalam
Marathi
KEY COMPETENCIES
- Leadership and Team Management
- Excellent communications skills
- Customer Relationship Management
- Positive attitude towards work
- Time Management
- Business Development
Timeline
Senior Manager
Yes Bank
05.2021 - Current
Assistant Manager
South Indian Bank
10.2013 - 04.2021
M.COM - Masters of Commerce
Mumbai University
B.COM - Bachelor of Commerce
Mumbai University
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