Seema Soni

• Maintaining and monitoring all retail portfolio of Retail Asset Hub and taking care of pre sanction, processing and appraisal , sanction ,Post sanction documentation ,Disbursement and followup till closure .
• Maintain close liaison with Builders for sourcing and exploring Housing Loan proposals.
• Ensure approval of the eligible projects coming up in areas of operation.
• Visit the various Higher/Premier Education Institutes to build up the good liaison with concerned officials of the Educations Institutes and to make arrangements to put up Bank stalls /Canopies in the campus of Education Institutes during counseling and admission days for spot -in-principal sanctions.
• Maintain liaison with the Vehicle Dealers in the command areas of operations for sourcing new loan proposals.
• Balancing multiple tasks simultaneously .
• Self-motivated, with a strong sense of personal responsibility. Provided strong leadership to enhance team productivity and morale.
• Achieved operational excellence by streamlining processes and implementing best practices.
• Established strong relationships with clients and ensuring repeat business.
• Used industry expertise, customer service skills and analytical nature to resolve customer concerns and promote loyalty.
• Increased customer satisfaction with timely project deliveries and seamless communication.
• Managed time efficiently in order to complete all tasks within deadlines.
• · Evaluated employee performance and conveyed constructive feedback to improve skills.

·

• Analyzed revenue distribution, bank reconciliations and account analysis documents .
• Implemented productivity benchmarks across all departments to maximize revenue.
• Held monthly meetings to create business plans and workshops to drive successful business.
• Executed appropriate staffing and budgetary plans to align with business forecasts.
• Evaluated employee performance and conveyed constructive feedback to improve skills.
• Set targets for branches to drive Bank success and strengthen motivation.
• Managed budgets effectively, achieving financial objectives while maintaining strict control over expenditures.
• Analyzing the reason of loss making branches and provide the support and solutions to closeout from the losses.
• Assessed employee performance regularly providing constructive feedback enabling targeted professional growth.
• Created reports, presentations and other materials for executive staff.
• Increased employee satisfaction by creating open lines of communication, addressing concerns promptly, and fostering a positive work environment.
• Organized and detail-oriented with a strong work ethic.

• Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
• Improved marketing to attract new customers and promote business.
• Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
• Maintained professional demeanor by staying calm when addressing unhappy or angry customers.
• Cross-trained existing employees to maximize team agility and performance.
• Successfully managed budgets and allocated resources to maximize productivity and profitability.
• Established team priorities, maintained schedules and monitored performance.
• Controlled costs to keep business operating within budget and increase profits.
• Maintain and manage the all branch operations (Deposits -Advances ).
• Maximized performance by monitoring daily activities and mentoring team members.
• Managed banking operations for smooth daily transactions, ensuring accuracy and compliance with regulations.
• Established internal audit procedures to validate and improve accuracy of financial reporting.
• Delivered consistent revenue growth through effective sales strategies, promoting banking products and services tailored to client needs.
• Examined customer loan applications for loan approvals and denials.
• Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
• Identified opportunities for process improvement within the branch, leveraging industry best practices to enhance efficiency.
• Developed a loyal customer base through personalized service and tailored financial solutions.
• Demonstrated respect, friendliness and willingness to help wherever needed.
• Skilled at working independently and collaboratively in a team environment.
• Worked well in a team setting, providing support and guidance.

• Developed and maintained relationships with customers through account development.
• Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
• Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
• Documented borrower's information in loan processing system and resolved any discrepancies.
• Conducted periodic reviews of existing loans within portfolio; identified potential issues early on that could impact repayment abilities or overall credit quality.
• Calculated, reviewed and corrected errors on interest, principal and closing costs.
• Helped loan officers in preparing repayment plans for timely processing.
• Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
• Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
• Enhanced with timely loan disbursements, managing all documentation and approval processes accurately.
• Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
• Increased client retention through excellent customer service, fostering strong relationships with borrowers and promptly addressing their concerns.
• Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.

• Cross-sold credit cards, loans and other bank products.
• Processed account maintenance requests and checked for alignment with bank policy.
• Maintained friendly and professional customer interactions.
• Assisted in the development and implementation of policies and procedures related to deposit products, ensuring compliance with regulatory requirements.
• Monitored and verified suspicious activity on customer accounts.
• Processed wide variety of retail banking transactions for personal and commercial customers.
• Handled PIN reorders, new cards and maintenance for debit cards.
• Educated customers on online banking and mobile banking applications.
• Maintained confidentiality of bank's customers and adhered to all regulatory requirements.
• Assisted customers with banking needs and inquiries.
• Resolved problems, improved operations and provided exceptional service.