SHUBHRADIP NASKAR
Kolkata,WB
Summary
Dedicated and experienced banking professional with proven success in managing finance and administration of mid sized and large sized commercial branches of Bank Of Baroda (credit portfolio of almost 5 million USD) at ahmedabad metro and Kolkata Metro with successful business growth .
Seeking to enhance professional knowledge and accelerate career growth. .
Overview
9
9
years of professional experience
1
1
Certification
Work History
Credit Officer
Bank Of Baroda
09.2021 - Current
- Facilitated timely decision-making on loan applications through clear communication with internal stakeholders and prompt resolution of any queries or discrepancies.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
- Processing of retail and business loans and risk analysis and apprisal preparations.
- overall monitoring of credit portfolio of the branch.
- Liaisoning with different government departments.
- Supported business growth initiatives by assisting in the identification of new market opportunities for expansion within the credit sector.
- preparation of monthly reports and compliance with the zero tolerance areas.
Credit Officer
Bank Of Baroda
06.2015 - 09.2021
- Facilitated timely decision-making on loan applications through clear communication with internal stakeholders and prompt resolution of any queries or discrepancies.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
- Processing of retail and business loans and risk analysis and apprisal preparations.
- overall monitoring of credit portfolio of the branch.
- Liaisoning with different government departments.
- Supported business growth initiatives by assisting in the identification of new market opportunities for expansion within the credit sector.
- preparation of monthly reports and compliance with the zero tolerance areas.
Education
Master of Science - Zoology
University Of Calcutta
Kolkata, India08.2013
Bachelor of Science - Zoology
Presidency College
Kolkata, India01.2011
Skills
- Loss Prevention
- Credit analysis
- Document processing
- Account Reconciliation
- processing of credit apprisals for retail and business loans and risk analysis
- Liaisoning with different government departments
- sales and marketing
Certification
JUNIOR ASSOCIATE FROM THE INDIAN INSTITUTE OF BANKING AND FINANCE
Accomplishments
Have successfully handled a Mid Sized branch credit portfolio at Ahmedabad, India from 2015 to 2021, and a large sized branch at Kolkata metro , India from 2021 to present date with significant business growth.
Timeline
Credit Officer
Bank Of Baroda
09.2021 - Current
Credit Officer
Bank Of Baroda
06.2015 - 09.2021
Master of Science - Zoology
University Of Calcutta
Bachelor of Science - Zoology
Presidency College
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