Surendra Kumar Yadav

Ø Evaluating Creditworthiness of loan applicants by analysing financial statements, credit reports, and other relevant documents, resulting in informed and accurate lending decisions.

Ø Managed a portfolios of loans, monitoring repayment schedule and identifying potential risks to minimize delinquencies and defaults.

Ø Cultivated relationship with the clients to understand their financials needs and provide tailored credit solutions, leading to increase customer satisfaction and retention.

Ø Conducted thorough risk assessment of loan application, balancing the organization lending goals with prudent risk management practices to maintain a healthy loan portfolio.

Ø Stayed abreast of industry trends, regulatory changes, and market condition to adapt lending policies and procedures accordingly, ensuring compliance with banking regulations and optimizing lending practices.

Ø Provide support and guidance to branch staff on credit-related matters, including product knowledge and customers inquires, fostering a cohesive and knowledgeable term environment.

Ø Facilitating process/procedure of the bank while ensuring adherence to compliance as per the rule and regulations of bank including latest circulars & notifications.

Ø Identifying client’s requirements and providing best products to suit their requirements while generating business from existing accounts and achieving profitability & sales growth.

Ø Developing and maintain healthy business relations with major corporate clients and key decision-makers as well as ensuring maximum customer satisfaction.

Ø Administering the entire Branch Operations while maintaining bottom line profitability by ensuring optimal utilization of available resources

Ø Managing large value cash transaction accounts, performing personal visits wherever required and providing necessary instructions to cash officer/Cashier.

Ø Contributing in preparation & maintenance of statutory books of accounts & financials statement including P&L account and balance sheet.

Ø Formulating strategies for the overall development of branch while optimizing the cost.

Ø Led significant role in driving sales and achieving business targets by promoting banking products and services, identifying opportunities for cross-selling and upselling, and implementing strategies to attract new customers and retain existing ones.

Ø Ensuring excellent customer service by addressing customer queries and concerns, resolve issues, and maintain high levels of customer satisfaction.

Ø Managing smooth day-to-day operations of the branch, including cash management, transaction processing, and ensuring adherence to banking regulations and compliance standards.

Ø Managing financial performance of the branch involves managing budgets, controlling costs, and maximizing profitability while minimizing risks.

Ø Ensuring strict compliance by implementing risk management procedures, conducting audits, and ensuring that all activities within the branch adhere to legal and regulatory guidelines.

Ø Building and maintaining relationships with key stakeholders, including customers, local businesses, and community organizations, by networking activities and participating in community events to enhance the bank's reputation.

Ø Leading and managing a team of banking professionals and supervising staff, as well as fostering a positive work environment and ensuring that team members are motivated and productive

Ø Facilitating process / procedure of the bank while ensuring adherence to compliance as per the rules and regulations of bank including latest circulars & notifications.

Ø Managing large value cash transaction accounts; performing physical visits wherever required and providing necessary instructions to Cash Officer / Cashier.

Ø Extending support in monitoring physical cash position, disposing surplus cash, arranging cash for daily needs and managing physical cash.

Ø Administering the entire branch operations while maintaining bottom line profitability by ensuring optimal utilization of available resources.

Ø Contributing in preparation & maintenance of statutory books of accounts & financial statements including P&L account and balance sheet.

Ø Identifying client's requirements; providing best products to suit their requirements while generating business from existing accounts and achieving profitability & sales growth.

Ø Developing and maintaining healthy business relations with major corporate clients and key decision-makers as well as ensuring maximum customer satisfaction.

Ø Handling cash transaction which involves receiving deposit, processing withdrawal and exchanging currencies.

Ø Providing excellent customer service by assisting customers with their transaction answering inquires about account balance, transaction history, bank products and services and addressing any concerns or issues they may have.

Ø Adhering to bank policies, procedure and regulatory requirements to ensure compliance with anti-money laundering (AML) and know your customer (KYC) regulations.

Ø Maintaining accurate record of transaction, customer’s interactions, and any other relevant information using the bank’s computer systems or paperwork.

Ø Following security protocols to safeguard cash and customer information.

Ø Collaborating with other bank staff members to ensure smooth operations and provide comprehensive customer support.

Ø Staying updated on changes in banking procedures, regulations, and technologies through sessions training and self-study to perform the job effectively and efficiently.