SWAPNA S

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.

Overview

Work History

Assistant Manager

Education

B.E - ELECTRONICS AND Communications Engineering

Skills

Certification

Languages

Accomplishments

Timeline

Assistant Manager

B.E - ELECTRONICS AND Communications Engineering

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