Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Sonam Kumari

Pune

Summary

Dynamic banking professional with 9+ years experience at Indian Overseas Bank, excelling in credit monitoring and loan processing. Proven track record in KYC/AML compliance and customer service, driving branch growth and enhancing operational efficiency. Adept at problem-solving and policy adherence, ensuring high standards in loan disbursement and customer satisfaction.

Overview

10
10
years of professional experience
1
1
Certification

Work History

Credit Monitoring Officer

INDIAN OVERSEAS BANK
05.2023 - Current
  • Timely review of loans sanctioned by branches, and timely follow-up for compliance.
  • Monitor loan portfolio performance, and ensure timely follow-ups on overdue accounts.
  • Coordinate with branches on compliance with banking regulations and internal policies.
  • Reviewed transaction documentation for accuracy and completeness.
  • Assess credit risk, analyze repayment trends, and generate reports for management review.

Retail Loan Processing Officer

INDIAN OVERSEAS BANK
05.2022 - 04.2023
  • Handled end-to-end processing of retail loan products, including housing, personal, and vehicle loans.
  • Verified documents, ensured credit policy compliance, and facilitated smooth loan disbursements.
  • Maintained high TAT and accuracy in loan approvals and customer servicing.
  • Pre- and post-disbursement follow-up and compliance.
  • Assisted customers with completing required forms related to the loan process.
  • Assisted in gathering necessary documentation from clients for loan approval.
  • Analyzed credit reports to assess borrower eligibility and risk levels.

Branch Head

INDIAN OVERSEAS BANK
07.2021 - 04.2022
  • Led branch operations, staff performance, and business targets across deposits and advances.
  • Ensured customer satisfaction, compliance with audit norms, and growth of the branch’s retail portfolio.
  • Liaised with regional management to align branch goals with organisational objectives.
  • Managed daily operations of a branch, including customer service, staff scheduling, and product distribution.
  • Provided guidance and support to subordinate employees as needed.
  • Conducted regular meetings with team members to discuss any issues or concerns related to their work.
  • Oversaw branch operations and ensured compliance with banking regulations.

General and Loan Officer

INDIAN OVERSEAS BANK
05.2018 - 06.2021
  • Managed customer service, account operations, and loan processing activities.
  • Supported the branch in meeting business targets through cross-selling and relationship management.
  • Ensured KYC/AML compliance and assisted in documentation for credit proposals.

Bank Officer (General)

INDIAN OVERSEAS BANK
06.2015 - 04.2018
  • Handled daily branch operations including cash, clearing, and front desk services.
  • Supported customer onboarding, queries, and routine transactions.
  • Maintained accurate records and followed internal control procedures.

Education

B-TECH - Computer Science Engineering

PUNJAB TECHNICAL UNIVERSITY
Jalandar, Punjab
07-2013

Skills

  • KYC/AML compliance
  • Customer service
  • Loan processing
  • Customer due diligence
  • Loan documentation and disbursement
  • Credit monitoring
  • Regulatory compliance
  • Teamwork
  • Problem-solving
  • Policy adherence

Certification

  • JAIIB
  • CAIIB

Timeline

Credit Monitoring Officer

INDIAN OVERSEAS BANK
05.2023 - Current

Retail Loan Processing Officer

INDIAN OVERSEAS BANK
05.2022 - 04.2023

Branch Head

INDIAN OVERSEAS BANK
07.2021 - 04.2022

General and Loan Officer

INDIAN OVERSEAS BANK
05.2018 - 06.2021

Bank Officer (General)

INDIAN OVERSEAS BANK
06.2015 - 04.2018

B-TECH - Computer Science Engineering

PUNJAB TECHNICAL UNIVERSITY

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Sonam Kumari