SNEHA WATVE

Credit Analysis and Processes :-

• Review and verify the accuracy of loan applications, including personal, financial, and credit information. Ensure all required documentation (e.g., income verification, credit reports, and collateral information) is complete and meets organization and regulatory standards.
• Verify the authenticity and accuracy of documents submitted by borrowers. Coordinate with borrowers to collect missing or additional documents as necessary. Perform credit checks and analyze borrower credit reports.
• Enter loan application data into the loan processing system accurately and efficiently. Maintain and update loan files in accordance with internal guidelines and regulatory requirements. Ensure all loan documents are properly organized, stored, and easily accessible
• Stay informed of current industry regulations and best practices to ensure compliance in all loan processing activities. Assist in resolving any issues or discrepancies in the loan documentation or application process.
• Ensure loans are processed efficiently and within company timelines. Follow up with clients and third-party vendors to ensure timely completion of loan processing tasks.
• Support the team in ensuring that approved loans are disbursed promptly and according to company policies.
• Loan Sanctioning Power : Upto 1.00 Crore including retail and business loans.

Banking Operations :-

• Oversee the day-to-day operations of the branch, ensuring that all banking activities run smoothly and efficiently. Supervise and manage branch staff, including tellers, customer service representatives, and other support staff. Develop and implement operational strategies to streamline workflows, improve efficiency, and reduce operational costs.
• Monitor and analyze customer feedback to recommend improvements in service delivery and customer experience. Oversee daily cash management, ensuring adequate liquidity, balancing of cash drawers, and compliance with cash handling procedures. Prepare and analyze branch performance reports, including financial reports, transaction volumes, and operational KPIs. Collaborate with senior management to set operational targets and budgets, ensuring that the branch meets its financial goals.
• Manage branch expenses, ensuring cost control measures are in place and that operations are carried out within budgetary constraints.

Audit Operations :-

• Lead and oversee internal audits of branch operations to ensure adherence to bank policies, regulatory guidelines, and operational standards. Conduct regular risk assessments of branch activities to identify potential risks and operational inefficiencies. Develop audit plans and schedules based on identified risks, operational priorities, and regulatory requirements.
• Follow up on audit findings to ensure that corrective actions are implemented and sustained.
• Maintain accurate and complete audit documentation in accordance with company policy and regulatory standards.
• Ensure that all audit reports, working papers, and other relevant documentation are stored securely and are easily accessible for future reference.

• Overseas & Domestic accounts payable and receivable transactions.
• Minimized risk of errors by accurately processing invoices, payments and other financial transactions.
• Entered financial data into company accounting system with stringent adherence to data security protocols.
• Input financial data and produced reports using SAP.

• Prepared straightforward tax returns and explained expected refund or income tax liability and due date for payment for individuals.
• Supported annual audit process through meticulous organization and review of financial documents, facilitating a smooth auditing experience.
• Gained proficiency in accounting software systems such as QuickBooks and Excel, streamlining data entry tasks and report generation processes.
• Provided excellent customer service when addressing inquiries from both internal and external stakeholders regarding ITR-related matters.