SIVARAMAR K

• Handling the Branch Book size of 78 crore with team size of 7 in Metro location.
• Handling Complete Branch sales and Revenue Generations.
• Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
• Acuiring MSME Clients through a relationship based and localised approach.
• Identifying the Existing CASA and Loan Customers
• Offering Working capital Enhancement ,Renewals and and Term loans
• Target MSMEs Eligible for CGTMSE and other loans.

• Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
• Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
• Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
• Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
• Getting the secondary information available over the online/Govt offices to increase the client base
• Focusing on private /Govt institutions for Group health insurance and General Insurance products
• Regular follow up of Educational institutions to increase the CASA base for the Branch
• • Providing support to the gold loan team by taking leads from the CASA Customers

• Handled the Branch book size of 160 crores with team member of 9 assisted by Operations Manager, Teller and authorizer.

MSME Experience

• Hands on Experience in Small and Medium enterprise Operations,documentation,compliance.
• Understanding of Business models Trading/Manufacturing/services
• Analysis of Financial statements Balance sheets,cash flow -Basics
• Assessment of Turnover,margins and Repayment capacity
• Evaluation of working capital Requirements.
• Risk Identification and credit suitability assessment
• Collectiona and verification of KYC & AML Documents
• Preparation and checking of Loan Application Files
• Coordination for sanction ,Disbursement and Renewal
• Knowledge about Working capital CC/OD and Term Loan
• CGTMSE Backed Collateral -Free loans
• Bill Discounting -Basic understanding
• Tracking Repayment schedules and overdue positions
• Early identification of stress and or irregularities
• Focus of NPA Prevention and Asset quality
• Building long term relationship with MSME Customers.
• Understanding customer Business cycles and needs
• providing Banking solutions within policy guidelines

• Met deadlines by proactively managing individual and team tasks and streamlining processes.
• Complied with regulatory guidelines and requirements.
• Monitored market trends to identify new business opportunities and capitalize on potential growth areas within the community or region served.

• Handled General Banking operations and maintain the cash retention limit & Cheque clearances
• Monitoring of suspense accounts and various registers of the branch
• Maintaining all statutory Requirements and attending Internal & External Audit

• Conducted regular performance reviews, identifying areas for improvement and developing action plans to address them.
• Supervised operations staff and kept employees compliant with company policies and procedures.