Summary
Overview
Work History
Education
Skills
Work Availability
Timeline
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Shivaraj Patil K S

Shivaraj Patil K S

Banker
Bangalore

Summary

Enterprising credit underwriting successful in leading every facet of new and ongoing business operations. Strategic thinker and tactical decision-maker with passion for serving customers and exceeding expectations. Creative problem solver skilled at de-escalating situations and driving positive change. Highly detail-oriented and professional credit manager successful at meeting and exceeding branch goals. Expertise in customer service relations and sales management. Skilled Branch Manager with demonstrated success in coordinating team and financial activities. Friendly and adaptable professional with remarkable leadership and program management skills. Motivated Bank Manager passionate about providing excellent customer service and exceeding expectations. Talented professional well-versed in service marketing and credit offerings. Inspires staff loyalty through strong leadership and communication skills. Self-directed with adaptability to meet changing operational needs. Energetic and resourceful professional proficient in program management and team leadership. Innate sales abilities and customer service skills. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Proactive with strong background in financial analysis, budgeting and forecasting. Develops and implements financial plans and delivers strategic financial advice. Results-driven and experienced in financial statement review, auditing and reporting. Well-versed in producing reports, evaluating department operations and handling month- and year-end closings. Meticulous, conscientious and methodical in approach. and . Senior Branch Manager with over 3 years of progressive experience improving business processes, increasing revenue and retaining loyal customers in multiple locations. Strengths include financial administration, team leadership and [Area of expertise].company goals.

Overview

8
8
years of professional experience

Work History

Senior Branch Manager

Canara Bank
Bangalore
04.2022 - 09.2023
  • Worked as Branch In-charge, managed team of 14 members.
  • Managed RETAIL Credit, Agri Credit and Gold loans with individual sanctioning power.
  • Managed CASA deposits and SMA-NPA recovery.
  • Managed large-scale projects and introduced new systems, tools, and processes to achieve challenging objectives.
  • Identified cost improvement changes and cost savings plans to increase company savings.
  • Implemented and developed operational standards, policies and procedures.
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.
  • Engaged employees in business processes with positive motivational techniques.
  • Maintained friendly and professional customer interactions.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
  • Assessed employee performance and developed improvement plans.
  • Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
  • Boosted sales and customer loyalty through incentive programs.
  • Compiled database of loan applicants' credit histories, financial statements and other financial information.
  • Complied with regulatory guidelines and requirements.
  • Implemented service improvements to enhance sales cycle.
  • Examined customer loan applications for loan approvals and denials.
  • Completed filings and upheld strict compliance with regulatory agencies and supervisors.
  • Generated financial and operational reports to assist management with business strategy.
  • Consulted customers to boost product sales and services.
  • Submitted loan applications to underwriter for verification and recommendation.
  • Resolved various issues impacting sales management and business operations.
  • Forecasted trends and recommended improvements based on financial risk analyses.

Credit Manager

Canara Bank
Bangalore
04.2019 - 03.2022
  • I was credit head handling Retail credit ( Home loans, Car loans and Education loans), Agri credit at various administrative offices.
  • Oversaw credit underwriting and sanctioning.
  • I was Area credit head overlooking all credits including TL and WC/CC
  • Oversaw reporting, documentation and recordkeeping requirements for department.
  • Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
  • Attended ongoing professional training to facilitate accurate and productive credit management.
  • Collaborated with management to evaluate credit strategies and develop improvements.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Reviewed and analyzed loan procedures.
  • Provided training and consulted with struggling teams to help meet monthly target goals.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Provided resources and expertise for conversion, validation and training required for company-wide software updates.

Assistant Credit Manager

Canara Bank
Bangalore
06.2015 - 03.2019
  • Joined bank as Assistant Credit Manager
  • Oversaw reporting, documentation and recordkeeping requirements for department.
  • Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
  • Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
  • Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
  • Used Software and Software to perform credit appraisals, document verification and loan approvals.
  • Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
  • Compiled data critical to analysis of annual bad debt.

Education

MS/M.Sc - Science, Agriculture

College university of horticulture sciences

B.Sc - Agriculture

College university of horticultural sciences

Skills

Rural Financeundefined

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Senior Branch Manager

Canara Bank
04.2022 - 09.2023

Credit Manager

Canara Bank
04.2019 - 03.2022

Assistant Credit Manager

Canara Bank
06.2015 - 03.2019

MS/M.Sc - Science, Agriculture

College university of horticulture sciences

B.Sc - Agriculture

College university of horticultural sciences
Shivaraj Patil K S Banker