SWAPNA S
BANGALORE
Overview
6
6
years of professional experience
1
1
Certification
Work History
Assistant Manager
UNION BANK OF INDIA
BANGALORE
06.2018 - Current
- Developed strategies for addressing behavior issues among clients who were not compliant with their terms of probation.
- Ensured that all relevant paperwork was completed accurately and promptly.
- Educated clients about relevant laws so they could make informed decisions regarding their own conduct.
- Managed customer service inquiries and complaints in a timely manner.
- Collaborated with management on developing strategic plans for achieving business goals.
- Established processes for monitoring customer satisfaction levels.
- Supervised daily operations including scheduling shifts, assigning duties.
- Collaborated with other departments within the organization on initiatives related to branch operations.
- Resolved customer complaints promptly and professionally.
- Provided guidance on complex financial matters such as investments or retirement planning.
- Monitored compliance with banking regulations and internal policies and procedures.
- Created marketing campaigns designed to attract new customers or retain existing ones.
- Participated in audits conducted by external regulatory agencies.
- Oversaw maintenance of branch equipment such as ATMs, computers, printers.
- Ensured that all relevant documents were collected before making a decision about granting a line of credit.
- Coordinated with legal teams when necessary to ensure compliance with applicable laws and regulations.
- Performed periodic audits on customer accounts in order to verify accuracy of information provided by applicants.
- Reviewed credit applications and financial statements to determine customer creditworthiness.
- Negotiated payment plans with delinquent customers in order to minimize losses due to non-payment.
- Researched industry best practices related to consumer lending regulations.
- Worked closely with collections departments in order to ensure timely payments from customers.
- Prepared detailed reports summarizing customer profiles, risk assessments, and recommendations for approval and denial of new lines of credit.
- Trained rookie credit staff in application processing, credit analysis and loan disbursement to detect and curb fraud.
- Cultivated and maintained comprehensive industry knowledge to assess risk solutions and maximize returns.
- Examined collateral to establish market value and assessed repayment capacity using secondary revenue sources before loan approval.
- Assessed property appraisals, title histories and insurance information.
- Prepared and submitted loan applications to underwriters.
- Recommended approval or disapproval of different loan types based on established criteria.
- Analyzed and prepared existing borrower reports and reviews to track repayments and compliance with loan agreements.
- Provided customer credit information to official representatives from banks and other financial institutions.
- Disseminated information regarding cash flow to appropriate stakeholders, enabling decisions for credit risk policy adjustments.
- Created standard operating procedures and delivered training to credit personnel to improve operational efficiency.
- Met with credit applicants to acquire personal and financial information used to process credit report.
- Answered incoming inquiries to discuss credit report information with subscribers.
Education
B.E - ELECTRONICS AND Communications Engineering
SRI VIJAY VIDYALAYA
DHARMAPURI04-2023
Skills
- Task Delegation
- Sales monitoring
- Product and service knowledge
- Financial statement review
- Risk Analysis
- Compliance reviews
- Documentation Management
- Data Interpretation
- Team Management
- Branch Operations Management
- Customer Service
- Work Prioritization
Certification
- COMPLETED JAIIB EXAM WITH CERTIFICATE
Languages
Tamil
First Language
ENGLISH
Intermediate (B1)
B1
TELUGU
Intermediate (B1)
B1
KANNADA
Beginner
A1
Accomplishments
- RECEIVED AWARD FOR ACHIEVING THE CAMPAIGN TARGET IN 2023
Timeline
Assistant Manager
UNION BANK OF INDIA
06.2018 - Current
B.E - ELECTRONICS AND Communications Engineering
SRI VIJAY VIDYALAYA
- COMPLETED JAIIB EXAM WITH CERTIFICATE