Rohan Medappa M E
Deputy Manager
Mangalore,India
Summary
Working as a Deputy Manager at SBI possessing vast understanding of credit reporting agencies and in-depth knowledge of job-related software, including Oracle SQL and MS Office Tools. Bringing 10+ year background in CASA, CRM, digital banking, managing credit files, analyzing credit applications and monitoring reviews. Comfortable working as a team leader and using logical approaches to find best solutions to complex problems.
Overview
11
11
years of professional experience
3
3
years of post-secondary education
2
2
Certificates
3
3
Languages
Work History
Deputy Manager
State Bank of India
Madikeri, Karnataka
07.2021 - Current
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Evaluated project applications and verified with outline specifications to approve, reject and recommend adjustments.
- Examined customer loan applications for loan approvals and denials.
- Completed filings and upheld strict compliance with regulatory agencies and supervisors.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Monitored accounts for signs of fraud and non-payment issues.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
Branch Manager
State Bank of India
Mangalore, Karnataka
05.2020 - 07.2021
- Produced reports for bank administrators to document long-term goals and financial status.
- Grew customer base by 89% over 1-year period through community networking and innovative customer incentives.
- Built rapport with account holders by reaching out with product recommendations and account updates.
- Evaluated project applications and verified with outline specifications to approve, reject and recommend adjustments.
- Reviewed credit applications for risk factors and credit worthiness.
- Worked with clients to define and implement terms for approved credit requests.
- Collaborated with management to evaluate credit strategies and develop improvements.
Retail Credit Officer
State Bank of India
Mangalore, Karnataka
05.2018 - 05.2020
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Used Loan Originating System and Retail Loan Management System to perform credit appraisals, document verification and loan approvals.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Checked appraisals, title information and insurance documents for each property.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
Associate
State Bank of India
Mangalore, Karnataka
01.2012 - 04.2018
- Educated customers on use of banking website and mobile apps.
- Answered customer inquiries regarding account balances, transaction history, services charges and interest rates.
- Handled various accounting transactions.
- Learned about customer's financial needs, established trust and optimized sales opportunities resulting in quality customer service.
- Received loan and utility payments, sending funds to correct destinations.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Carried out day-to-day duties accurately and efficiently.
Education
Bachelor of Engineering - Electrical, Electronics And Communications Engineering
P A College of Engineering
Mangalore 08.2007 - 05.2010
Skills
Oracle SQL
LOS & RLMS
Core Banking Solutions
Credit reports & Financial statement review
Fraud knowledge, Investigations & Risk Assessment
Customer Relationship Management
TCS BaNCS
Digital Banking, Insurance
Team handling and Excellent Communication skills
Microsoft Excel and other Office Tools
IBM Symphony
Certification
JAIIB (IIBF)
Timeline
Deputy Manager
State Bank of India
07.2021 - Current
Branch Manager
State Bank of India
05.2020 - 07.2021
Certified Insurance Facilitator (IRDA)
09-2018
Retail Credit Officer
State Bank of India
05.2018 - 05.2020
JAIIB (IIBF)
02-2017
Associate
State Bank of India
01.2012 - 04.2018
Bachelor of Engineering - Electrical, Electronics And Communications Engineering
P A College of Engineering
08.2007 - 05.2010