Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Interests
Timeline
Generic

Sunil Kumar Kardwal

Relationship Manager SME
Rawatsar Rajasthan

Summary

An experienced Relationship Manager with 12 years of experience in the banking sector, having a proven track record of success in managing small and medium enterprise clients and providing core banking services with excellent interpersonal and communication skills, adapting at building and maintaining strong relationships with clients and delivering exceptional customer service. Expertise includes assessing clients' financial needs and developing tailored solutions to help them achieve their goals. Experienced in analyzing credit risk and working closely with credit teams to ensure that clients receive appropriate financing. Having a strong understanding of banking products and services, including loans, deposits, and cash management, and can effectively communicate their benefits to clients. Overall, a results-oriented professional who is committed to exceeding client expectations and driving business growth.

Overview

9
9
years of professional experience
4
4
years of post-secondary education
6
6
Certifications
3
3
Languages

Work History

Relationship Manager SME

State Bank of India
Gandhinagar
2021.07 - Current

Successfully managed and grew a portfolio of high net worth clients, resulting in increased revenues for the bank. Developed and implemented effective business development strategies that resulted in the acquisition of new clients and the expansion of existing relationships. Fostered strong relationships with clients and ensured their satisfaction through proactive communication, regular reviews, and timely resolution of issues. Coordinated with internal stakeholders such as credit, operations, and product teams to provide holistic solutions to clients.

Manager RM SME

State Bank of India
Mahuva Gujarat
2019.06 - 2021.07

Assisted Relationship Managers in managing client relationships and achieving business targets. Conducted market research and analysis to identify potential clients and opportunities for business growth. Coordinated with internal teams to ensure timely delivery of products and services to clients.

Branch Manager

State Bank of India
Shahpur Gujarat
2018.08 - 2019.06

· Used creativity, strategic thinking and knowledge of current market trends to target and build relationships with potential customers.

· Created sales and marketing strategies to increase customer base and enhance sales.

Deputy Manager

State Bank of India
Junagadh & Keshod Gujarat
2016.03 - 2018.08

Addressed and resolved customer complaints in efficient, effective and timely manner also exceeded revenue goals through upselling and offering reliable and responsive service.

Manager

State Bank of India
Junagadh
2016.01 - 2016.02

Maintained client correspondence, preferences and sales on CRM systems for sales and marketing purposes.

Assistant Manager

State Bank of India
Bhabhar, Adajan (Surat), Talaja, Prantij & Ahmedabad
2013.11 - 2016.01

· Generated new business by executing strategic campaigns and proactively cold calling customers.

· Maximised sales opportunities by determining and standardising best practices.

Education

JAIIB

Indian Institute of Banking & Finance
Ahmedabad
2010.01 - 2010.01

CAIIB - Banking & Finance

Indian Institute of Banking & Finance
Ahmedabad
2010.07 - 2010.07

MBA - Finance

.
2007.05 - 2009.04

Bachelor of Science -

.
2003.06 - 2005.05

Skills

    Strong communication, interpersonal, and relationship management skills

Proven track record of achieving business targets and growing client relationships

Sound knowledge of banking products and services, financial markets, and regulatory frameworks

Ability to work independently and as part of a team in a dynamic and fast-paced environment

Proficient in Microsoft Office and banking software

Accomplishments

    · GEMS received as PEARL in year 2018, 2019, 2020, 2021, 2022

    · GEMS received as JADE in year 2021

Certification

Certification in Commercial Credit (CICC)

Interests

Watching and analyzing Stock Market

Travelling

Timeline

Relationship Manager SME

State Bank of India
2021.07 - Current

Manager RM SME

State Bank of India
2019.06 - 2021.07

Branch Manager

State Bank of India
2018.08 - 2019.06

Certificate in BCSBI

2016-11

Certificate in Trade Finance

2016-08

Certificate in SME Finance

2016-08

Deputy Manager

State Bank of India
2016.03 - 2018.08

Manager

State Bank of India
2016.01 - 2016.02

Certification in IT Security

2014-08

Certification in KYC AML

2014-03

Assistant Manager

State Bank of India
2013.11 - 2016.01

CAIIB - Banking & Finance

Indian Institute of Banking & Finance
2010.07 - 2010.07

JAIIB

Indian Institute of Banking & Finance
2010.01 - 2010.01

MBA - Finance

.
2007.05 - 2009.04

Bachelor of Science -

.
2003.06 - 2005.05
Sunil Kumar KardwalRelationship Manager SME