Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Additional Information
Languages
Timeline
Generic

T ANIRUDHA PATRO

BHANJANAGAR

Summary

Goal-oriented and versatile with background in accounts, banking, finance and operations. Forward-thinking business banking professional well-versed in the needs of corporate companies. Knowledgeable about banking practices, regulatory standards and available products and services.

Overview

8
8
years of professional experience
1
1
Certification

Work History

Asset Specialist

HSBC Bank
07.2023 - Current
  • Improved client satisfaction by efficiently processing mortgage applications and providing timely updates.
  • Reduced loan application errors by implementing thorough quality control process for all submitted applications.
  • Reduced loan approval time by streamlining application review process and collaborating with underwriters.
  • Facilitated smooth closing processes by collaborating effectively with title companies, appraisers, and attorneys.
  • Contributed to the success of mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
  • Achieved success in closing challenging loan scenarios through creative problem-solving and persistence.
  • Mitigated credit risk by conducting thorough due diligence checks on all applicants, safeguarding organization''s interests.
  • Reorganized, streamlined and strengthened operations to maximize performance and profitability in highly competitive markets.
  • Analyzed loan applications and credit reports to determine loan eligibility and risk level.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Streamlined internal processes by implementing digital tools, enhancing overall efficiency within the department.
  • Led training sessions for colleagues on regulatory changes, maintaining a knowledgeable and compliant workforce.
  • Explained legal aspects of loan to borrower, as well as payment terms and clauses.
  • Managed a high volume of loan applications, consistently meeting or exceeding established processing time frames for both new loans and refinancing.
  • Enhanced portfolio performance through diligent monitoring and timely adjustments based on market conditions.

IMPERIA RELATIONSHIP MANAGER

HDFC BANK LTD.
03.2022 - 06.2023
  • Developed and maintained courteous and effective working relationships.
  • Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
  • Worked with underwriters to fix application problems and resolve issues.
  • Proved successful working within tight deadlines and fast-paced atmosphere.
  • Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
  • Achieving more than 100% of my target month on month by disbursing retail loans like home loan, business loan of more than 7 crore per month.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Generated new business and referral clients in partnership with financial advisors and branch team.
  • Worked with different departments to facilitate communication and deliver personalized solutions to customers.
  • Established and enforced internal controls, workflows and policies for tracking, reconciling and reporting on accounting activities.
  • Performed banking, business administration and financial tasks to guarantee five-star service for clients.

Business Banking Relationship Manager

KOTAK MAHINDRA BANK LTD.
06.2021 - 01.2022
  • Meet with large corporate to assess needs and propose customized solutions.
  • Supported end-to-end credit management process, submitted complete loan documentation and supported credit for further process.
  • Managing existing client's portfolio for working capital which includes timely renewals, enhancement.
  • Handling portfolio of 700 crores and disbursing loans from 10 crores to 120 crores.
  • Disbursing wholesale loans worth 50 crores and retail loans like home loans, business loans worth 18 crores per month.
  • Analysis of various financial statements to address queries for getting proposal clear through credit.
  • Preparation of credit approval memo including internal credit rating and acting as interface between credit managers and corporate.
  • Completing documentation formalities with client and coordinating with other department for setting up limit.
  • Responsible for follow up high value advance to maintain portfolio quality by monitoring accounts to control accretion to NPAs.
  • Establishing processes for monitoring and updating decisions based on valuation report.

Wealth Manager

ICICI BANK LTD
05.2019 - 06.2021
  • Assisted clients in making beneficial and strategic decisions regarding investments, low-cash financing and sourcing overseas partners.
  • Build different portfolio models by using various financial models.
  • Cultivated and strengthened relationships with new and existing clients and pro-actively solved their problems.
  • To handle queries and act as support function for department by following and investigating.
  • To support my reporting authority in database updating.
  • Followed quality standards and procedures to minimize shipment errors and maximize customer satisfaction.
  • Managed high-value existing and new business partnerships to deliver on objectives and maximize corporate revenue, support and awareness.
  • Decide how to frame and recommend need of client to credit team.
  • Focuses on returns, cost of investment while using financial models.
  • Access various financial databases to conduct process smoothly.
  • Analyze various financial indices like stock market indices, alpha/profitability indices and assist concern department for NPV based assessment.

Marketing Intern

GSK LIMITED
09.2017 - Current
  • Survey on usage and experience of home remedies and Ayurveda products in eastern cities of India.
  • Prepared reports detailing project updates, performance information.

Management Trainee

M/S Savitri Agency
04.2016 - 03.2017
  • Developed productive collaboration with agency's clients to create and promote new FMCG products, bringing in additional amount per year in revenue.
  • Expanded product distribution by adding more than 10 new distribution points in region, including convenience stores, retail supermarkets.
  • Completed and submitted monthly and yearly financial reports to enhance executive decision making.
  • Maintaining and processing invoices and along with that maintained ledgers like purchase, sales register and also creates and process debit note and credit note.
  • Evaluated and optimized marketing strategies to improve goal attainment in marketing and financial areas.
  • Worked with different teams and coordinated with company teams to for smooth flow of business cycle like starting from purchasing, supplying, payment made and received.
  • Completed daily cash functions like account tracking, payroll and wage allocations, budgeting, donating and all types of cash and banking reconciliations with 100% accuracy.
  • Mentored and guided employees ensuring all were trained in product knowledge and capable of performing assigned duties.

Education

MBA - FINANCE AND MARKETING

INTERNATIONAL MANAGEMENT INSTITUTE
BHUBANESWAR
04.2019

BACHELOR oF COMMERCE (H) - Accounting

KHALLIKOTE AUTONOMOUS COLLEGE
BERHAMPUR
03.2016

12TH - COMMERCE

SHIKSHA COLLEGE
BERHAMPUR
03.2013

10TH - Mathematics And Computer Science

DAV PUBLIC SCHOOL
BERHAMPUR
03.2011

Skills

  • Banking principles
  • Portfolio management
  • MS Office
  • Data Modeling
  • Financial modeling and assessment
  • Data trending
  • Financial analysis
  • Business Development
  • Coordinating team projects
  • Strategic planning
  • Familiar with account coding
  • Process implementation
  • Strategic and financial planning
  • Relationship building and management
  • Information gathering
  • Financial Statements Expertise
  • Closing Processes
  • Conflict resolution
  • Product presentation

Accomplishments

  • Achieved results by completing tasks with accuracy and efficiency.
  • Documented and resolved issue which led to solid outcome.
  • Resolved product issue through consumer testing.
  • Awarded and rewarded for the outstanding contribution to the organization.

Certification

● NATIONAL STOCK EXCHANGE OF INDIA LIMITED :MUTUAL FUNDS: A BEGINNER'S MODULE

● NATIONAL STOCK EXCHANGE OF INDIA LIMITED :CAPITAL MARKET DEALERS MODULE

● NISM SERIES-V-A MUTUAL FUND DISTRIBUTORS CERTIFICATE

● COMPLETE INVESTMENT BANKING COURSE

Additional Information

Apart from my education, I was a member and positioned as VICE PRESIDENT of a self-driven club "GREENIFY" . Our job was to make our society clean and green for which our club planted around 5000 trees and maintained them.

Languages

English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Oriya
Bilingual or Proficient (C2)

Timeline

Asset Specialist

HSBC Bank
07.2023 - Current

IMPERIA RELATIONSHIP MANAGER

HDFC BANK LTD.
03.2022 - 06.2023

Business Banking Relationship Manager

KOTAK MAHINDRA BANK LTD.
06.2021 - 01.2022

Wealth Manager

ICICI BANK LTD
05.2019 - 06.2021

Marketing Intern

GSK LIMITED
09.2017 - Current

Management Trainee

M/S Savitri Agency
04.2016 - 03.2017

MBA - FINANCE AND MARKETING

INTERNATIONAL MANAGEMENT INSTITUTE

BACHELOR oF COMMERCE (H) - Accounting

KHALLIKOTE AUTONOMOUS COLLEGE

12TH - COMMERCE

SHIKSHA COLLEGE

10TH - Mathematics And Computer Science

DAV PUBLIC SCHOOL

Similar Profiles

CREATE PROFILE
T ANIRUDHA PATRO