SHYLA M S

• Developed loyal and highly satisfied customer base through proactive management of team customer service strategies.
• Created employee schedules to align coverage with forecasted demands.
• Reduced financial discrepancies to minimize threats to health and productivity of business.
• Compiled financial data to comply with budget.
• Responsible for the credit policies and its compliance with the applicable regulations and laws, credit risk, product and program management
• Ensure that the business development and relationship management group understands and develops business in accordance with the Bank’s credit guidelines
• Work with senior management on the determination of overall loan portfolio composition and the management of concentrations  Manage the independent loan review process (CEIS)
• Ensure that the portfolio is appropriately Risk Rated and adequately reserved
• Direct the Loan Work-Out/Special Assets process; reduce credit and collections/nonperforming loan levels
• Adhere to current compliance standards
• Adhere to Service Standards of Performance
• Perform other duties as assigned

• Monitored cash intake and deposit records, increasing accuracy and reducing discrepancies.
• Introduced new products or services, increased marketing activities and improved customer service to drive sales.
• Developed strategy to increase sales and drive profits.
• Generated repeat business through exceptional customer service and responded to customer concerns with friendly and knowledgeable service.

• Designing and amendments of dam design for the construction of of one of the biggest dams at Vythiri in Kerala, India.
• Estimated quantities and material costs during project planning to support budgeting and costing.
• Collaborated with civil technicians to gather project equipment and update maps, drawings and blueprints.
• Conferred with engineering staff and other personnel to identify and resolve problems with design or implementation.

• Scheduled labor, ordered materials and coordinated with other contractors to complete projects.
• Managed subcontractor personnel activity and team resources to meet all project requirements.
• Served as point of contact for clients to deliver information on work progress and resolve on-site technical problems.
• Coordinated crew and subcontractor work activities and materials acquisition and maintenance.
• Analyzed blueprints and other project specifications to completely understand all job requirements and determine how many workers would be required onsite.
• Handled issues with relative ease by implementing best practices and applying critical thinking skills to find best solutions.
• Read plans and blueprints and communicated to workers.
• Enhanced communication between construction management and personnel to facilitate smooth project completion.

I have done my graduation in Bachelor of Technology with specialization in Civil Engineering, from The College of Engineering Trivandrum, commonly known as CET. This is the first engineering college in Kerala, situated in Thiruvananthapuram, the capital city of Kerala State in India.

• Member of Civil Engineering Department Club. The technical club in department of civil engineering was formed with a sole objective of harnessing the creative abilities of civil engineering students in the college so that they may become more confident engineers in future to serve a better world.
• Member of College of Engineering Trivandrum Alumni Association (CETAA)

• Member of Arts Club. Participated in collage level Dance Competitions.

• Completed the High School in ICSE Indian Certificate of Secondary Education syllabus.
• Participated in inter school arts competitions.

AutoCAD® is a computer-aided design (CAD) software from Autodesk that provides architects, engineers, and construction professionals the ability to create precise 2D and 3D drawings.

Junior Associate of Indian Institute of Bankers which is an exam designed for business and finance professionals and is conducted by IIBF (Indian Institute of Banking and Finance). JAIIB is equivalent to Matriculation in Banking and Finance.

This flagship course/examination consists of three papers that are further subcategorised into modules and chapters. The institute’s members along with employees of some nationally recognized banks are eligible for taking this online exam.

As I am working with one of the most reputed and biggest nationalized bank of India - Union Bank of India, I was able to complete this exam.

JAIIB Syllabus:-

Paper 1: Principles & Practices of Banking

Paper 2: Accounting & Finance for Bankers

Paper 3: Legal & Regulatory Aspects of Banking