R SHOBANA
Assistant Manager At Indian Overseas Bank
Bangalore,India
Summary
Skilled, hard-working and result-oriented banking professional with 12+ years of experience extensively in Credit underwriting of retail and corporate credit proposals, assessing the repayment capacity, reviewing the financial statements, fixing of credit limits based on the Credit risk and rating. Expert in General banking operations. Fast-learner with creative mindset and open to new technologies. .
Overview
12
12
years of professional experience
5
5
years of post-secondary education
1
1
Certification
4
4
Languages
Work History
ASSISTANT MANAGER
INDIAN OVERSEAS BANK
11.2013 - Current
- Coordinated with customers in submission of documents for credit appraisal of retail loans such as Housing, Education, Personal, LAP, Vehicle, HNI, Mortgage loans and business loans such as MSME, Trade.
- Involved in Underwriting of retail and corporate credit proposals by assessing the repayment capacity, reviewing the financial statements, fixing of credit limits based on the Credit risk and rating.
- Prepared Credit documentation and ensured Compliance of Sanction terms and conditions
- Safeguarded Credit through Insurance coverage, CERSAI Registration, Mortgage formalities.
- Conducted Pre and Post Sanction Inspections and Monthly unit visits
- Coordinated for various audits and inspections.
- Cultivated productive relationships with customers and expanded customer base.
- Followed up for NPA Recovery/Critical accounts to avoid slippage to NPA
- Settled NPA accounts with One Time Settlements(OTS), Write off, Lok adalats and recovered NPA through Auctions, SARFAESI actions
- Handled day to day operations in branch in General Banking operations.
- Managed Account Opening/Closing/Renewal - Savings, Current, Fixed Deposits - of customers after ensuring KYC and CDD guidelines.
- Held the position as Second Line Manager and ensured smooth functioning of branch and efficient customer service
- Recommended products to customers, thoroughly explaining details for various government schemes such as PMJJBY, PMSBY, APY, SSY, PPF, SCSS, PMJDY, etc
CUSTOMER SERVICE MANAGER IN TRADE
ICICI BANK LIMITED
08.2010 - 09.2013
- Handled day to day operations in Trade Finance Activities and General Banking OperationS.
- Coordinated with allotted customers for their Trade Finance needs
- Handled documentation and scrutiny of Import, Export Transactions including Advance Payments, LCs, Buyer’s Credit, Direct Import Payments, Bank Guarantees, etc.
- Basic working knowledge of swift messages
- Been a one-point contact for allotted customer regarding their trade finance transactions/queries/issuance of FIRC
- Followed up with customers for submission of bill of entry in case of direct import and submission of shipping bills in case of advance payment received for export
- Involved in direct interaction with walk in customers and solved their queries with regard to trade finance products
- Coordinated with Centralized team for Error Free End to End Process completion within TAT for Trade transactions of allotted customers
- Ensured proper filing and Trade related returns submissions
- Followed up with allotted customers for prompt payment of import bills under LC (Sight/Usance) on due dates.
- Interacted with banks for arrangement of Buyer’s Credit
Education
Post Graduate Diploma - Banking
MANIPAL UNIVERSITY
Bangalore 08.2009 - 07.2010
Bachelor of Engineering - Computer Science
ANNA UNIVERSITY
Erode 09.2004 - 05.2008
Skills
Retail and Corporate Banking
Accomplishments
Gold Medalist in UG by securing 23rd Rank
Certification
CAIIB
Timeline
ASSISTANT MANAGER
INDIAN OVERSEAS BANK
11.2013 - Current
CUSTOMER SERVICE MANAGER IN TRADE
ICICI BANK LIMITED
08.2010 - 09.2013
Post Graduate Diploma - Banking
MANIPAL UNIVERSITY
08.2009 - 07.2010
Bachelor of Engineering - Computer Science
ANNA UNIVERSITY
09.2004 - 05.2008
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