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Som Shankar Ghosh
Senior Banker
Kolkata,WB
Summary
Dynamic banker with extensive experience at IDBI Bank, excelling in compliance assessments and credit risk management. Proven track record in enhancing profitability through effective cross-selling and mentoring junior staff. Skilled in relationship management, driving operational efficiency, and fostering a culture of risk awareness to ensure organizational success.
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
17
17
years of professional experience
2
2
Languages
Work History
Banker
IDBI Bank
04.2008 - Current
- Maintained strict compliance with all banking regulations, ensuring a secure and trustworthy environment for clients.
- Collaborated with team members to consistently meet or exceed branch targets and objectives.
- Enhanced bank profitability by effectively cross-selling various financial products and services.
- Mentored junior staff members, fostering a supportive work environment that encouraged professional growth and development.
- Streamlined operations, implementing efficient processes to improve overall productivity and performance.
- Collaborated with IT department to enhance online banking security measures, reducing instances of fraud and unauthorized access.
- Enhanced compliance with banking regulations by conducting regular audits and training sessions for staff, ensuring adherence and reducing legal risks.
- Reduced credit risk by implementing comprehensive risk assessment strategies.
- Streamlined the loan approval process through effective communication between underwriters, sales teams, and clients.
- Enhanced portfolio performance with diligent monitoring and proactive risk mitigation measures.
- Optimized internal controls within the organization''s credit processes by implementing robust systems checks and balances.
- Collaborated with cross-functional teams to ensure alignment of risk management policies and procedures.
- Participated in due diligence activities during mergers or acquisitions, assessing potential target companies'' credit portfolios for integration compatibility.
- Negotiated with delinquent borrowers to reach mutually beneficial repayment arrangements, minimizing losses and maintaining positive customer relationships.
- Prepared detailed reports on portfolio performance, highlighting areas of concern and suggesting possible solutions for improvement.
- Created credit policies, processes and procedures to maintain compliance with banking regulations.
- Influenced changes in lending practices by staying abreast of regulatory requirements and best practices within the industry.
- Championed a culture of risk awareness within the organization by sharing insights and fostering open communication between departments.
- Led training sessions for junior analysts to enhance their understanding of credit risk principles and analytical techniques.
- Assessed financial statements and records.
- Performed auditing work in accordance with rigorous auditing standards and principles.
- Conducted efficient audits by utilizing various software tools to analyze financial data quickly and accurately.
Education
Bachelor of Science - Chemistry
Ranchi University
Ranchi 04.2001 -
Skills
Customer service
Accomplishments
- Supervised team of 6 staff members.
- Resolved product issue through consumer testing.
Interests
Timeline
Banker
IDBI Bank
04.2008 - Current
Bachelor of Science - Chemistry
Ranchi University
04.2001 -
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