Smruti Ranjan Dalai
Kolkata
Summary
Career objective is to deliver accurate results within tight deadlines and work effectively with peers and seniors to achieve shared business objective
Overview
9
9
years of professional experience
Work History
Associate
Standard chartered Bank
Kolkata
11.2022 - Current
- Gained experience in Credit documentation and verification as per Sanction terms for SME and business loans from Sanction to Pre disbursement
- Creation and perfection of Collateral securities
- Monitoring and tracking of pending compliance and post disbursement conditions
- Coordination with Legal ,Risk and relationship team for various regulatory requirements
- Verification of facility and mortgage related documents
- Safeguarding of security and title documents
Deputy manager II
ICICI Bank ltd
10.2016 - 11.2022
- Reviewing executed documents for working capital and Term loan submitted by the client as per stipulations mentioned in sanction letter of existing and new clients.
- Processing of initial and subsequent disbursements & limit set up of clients as per the conditions precedent stipulated in sanction and closely examining various post disbursement & limit setup activities during the entire life cycle of the loan.
- Analyzing the different risk parameters associated with the particular borrower and highlighting the critical issues to the Senior Management of the Bank.
- Coordination with vendors and various internal groups like Credit Risk and with various auditors including internal auditors and Concurrent Auditors.
- Exercising technological changes or upgradation and efficient management of own activities and that of the Relationship Team.
Education
Post Graduate diploma - banking and finance
Manipal University
Bachelor degree - Mechanical engineering
Centurion University
BhubaneswarSkills
- Credit Document verification
- Compliance monitoring
- Regulatory coordination
- Team collaboration
- Effective communication
- Conflict resolution
- Process optimization
- Time management
- Adaptability and flexibility
- Mortgage Lending
Accomplishments
- NISM-Series-VI: Depository Operations Certification Examination, Successfully completed as required under the SEBI (Certification of Associated Persons in the Securities Markets) Regulations,2007., 07/01/16, 08/01/16
- NISM-Series-V: Mutual fund distributors Certification examination, Successfully completed as required under the SEBI., 09/01/16, 10/01/16
Projects
Paperless environment, Worked on a project for analysis of paper consumption zone wise and activity wise where digitalization had scope and got appreciation from team lead and seniors., 05/01/20, 07/01/20 End to end process implementation, Involved in Project to implement end to end process though a single service request to reduce rework and help in reducing TAT and got appreciation of senior management for the same., 04/01/18, 12/01/18
Hobbies and Interests
- Pencil Sketch
- Travelling
- Watching Cricket
Languages
- English, Professional Working Proficiency
- Hindi, Professional Working Proficiency
- Odia, Professional Working Proficiency
Languages
English
Advanced
C1
Hindi
Advanced
C1
Odia
Advanced
C1
Timeline
Associate
Standard chartered Bank
11.2022 - Current
Deputy manager II
ICICI Bank ltd
10.2016 - 11.2022
Post Graduate diploma - banking and finance
Manipal University
Bachelor degree - Mechanical engineering
Centurion University