Sriram S
Senior Manager
Chennai
Summary
A proficient banker with 10+ years of experience in leading financial systems and programs, in appraisal of credit facilities, post disbursement compliance and overall branch operations. Proficient knowledge in assessing the financial soundness of individuals and corporate borrowers. Able to build strong relationships with team members and customers. Knowledgeable about regulatory requirements and successful strategies for maintaining optimal controls. Well-organized, proactive and adaptable to changing markets.
Overview
11
11
years of professional experience
2
2
Languages
Work History
Senior Manager
HDFC Bank Ltd.
SRM Institute Branch, Potheri
2 2022 - Current
- Onboarding of new high networth liability clients by ensuring KYC and AML compliance
- Identifying and converting MSME and high value corporate asset leads
- Achieving value and no. Targets viz., unsecured loans, gold loans, car loans, mortgage loans, DEMAT, credit cards, life and non life insurance, SIP, forex income and so forth by managing team of six members
- Identified opportunities for process improvement within branch, leveraging industry best practices to enhance efficiency
- Supervising and controlling branch operations for securing best compliance rating
- Ensuring customer service standards for securing best service quality score
- Engaged employees in business processes with positive motivational techniques
- Increased customer satisfaction by implementing efficient banking processes and providing exceptional service
- Built strong relationships with local businesses, fostering partnerships that benefited both parties and increased sales by more than 35%
Branch Manager
City Union Bank Ltd.
Kundrathur Branch
04.2017 - 02.2022
- Canvassing bulk term deposits and onboarding high value CASA balance customers
- Assessing eligible individuals, MSMEs and big corporate for recommending credit facilities sanction to Central Office
- Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies
- Post disbursement compliance and transactions monitoring
- Supervision of daily branch operations and driven team of five members
- Conducting periodic unit visits, property inspection and customer due diligence
- Handled branch annual inspection, statutory and concurrent audits
- NPA controlling, recovery and initiating SARFAESI proceedings
- Generated financial and operational reports to assist management with business strategy
- Fostered strong relationships with clients by addressing their needs promptly and providing personalized financial solutions
Credit Processing Officer
City Union Bank Ltd.
Credit Processing Centre, Abiramapuram
08.2013 - 03.2017
- Reviewed and scrutinized credit facility applications (both funded and non funded), credit reports, bank statements and other financial statements to accurately assess exposure eligibility and credit risk of individuals and corporate borrowers
- Monitored account transactions and tracked customer payment history to ensure compliance with bank's credit policy
- Periodic risk rating of borrowers based on internal risk rating model of Bank
- Developed and maintained relationships with customers and Central Office Advances Department personnel to obtain sanctions within prescribed TAT
- Timely and accurate submission of detailed assessment notes with recommendations of large credit borrowed accounts to Central Office for enabling sanction decision
- Conducted field inspection and enhanced due diligence for high value borrowed accounts
- Attended ongoing professional training to facilitate accurate and productive credit management
- Reviewed and verified income, credit reports and employment histories for each borrower
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility
Education
C.A.I.I.B -
Indian Institute of Bank And Finance
04.2001 - 2016.04
M.B.A (Finance) - undefined
Vellore Institute of Technology, Vellore
B.B.A - undefined
Vellore Institute of Technology, Vellore
Skills
Knowledge in financial statement analysisundefined
Personal Information
- Date of Birth: 03/30/1991
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Internship
- Sundaram Finance Ltd., Chennai, Comparative Financial Statements and ratio analysis, 2012
- Brakes India Ltd., Sholinghur, Study on Functional Departments - Production, HR, and Finance, 2010
Timeline
Branch Manager
City Union Bank Ltd.
04.2017 - 02.2022
Credit Processing Officer
City Union Bank Ltd.
08.2013 - 03.2017
C.A.I.I.B -
Indian Institute of Bank And Finance
04.2001 - 2016.04
Senior Manager
HDFC Bank Ltd.
2 2022 - Current
M.B.A (Finance) - undefined
Vellore Institute of Technology, Vellore
B.B.A - undefined
Vellore Institute of Technology, Vellore
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