Summary
Overview
Work History
Education
Skills
Certification
Timeline
AccountManager
Vigneshwarapandian

Vigneshwarapandian

Manager
Tondiarpet,Chennai

Summary

Accomplished Manager at Tamilnad Mercantile Bank Ltd, adept in analyzing customer creditworthiness and managing Loans. Maintaining professional composure under stress. Proven track record in enhancing loan processing efficiency and customer satisfaction through effective time management and interpersonal skills.

Overview

11
11
years of professional experience
2
2
Certifications

Work History

MANAGER

TAMILNAD MERCANTILE BANK LTD
THOOTHUKUDI,TAMILNADU
05.2023 - Current
  • Handle exclusively Loan Section and Managing Loans Worth Rs.440 Crore and make recommendation of Retail,Vehicle Mortgage, MSME Loans to Branch Head/Regional Office/Head Office for sanction
  • Responsible to manage Time lag accounts
  • Responsible for handling customer tickets of premium clients and maintain TAT of 12 hours
  • Manager Discretionary Powers to Sanction Loan Amount of Rs.0.60 Crore to Individual Exposure and Rs.0.90 Crore to Group Exposure in MSME sector Advance
  • Dealing with HNI and various Loan Borrowers
  • Analysis of Financial Statements,Ratios and Borrower's Credit reports
  • Handling project Loans and Pre and Post Shipment Finance
  • Handling Highest Individual Loan Proposal of Rs.55.00 Crore and Group Loan proposal of Rs.195.00 Crore
  • Ensure condition stipulated by RO and HO sanctioned loans
  • Canvassing, Pre-Sanction Visit and Due Diligence of potential Customers
  • Make Unit Verification on Monthly Basis
  • Exercising Credit Rating

ASSISTANT MANAGER

TAMILNAD MERCANTILE BANK LTD
GUJARAT,ERODE AND CHENNAI
05.2019 - 04.2023
  • Internal Branch Control
  • Allocating works to Clerical Staff Members
  • System Verification of Opening , Closing and Renewal of Term Deposit
  • Verification of Cash in closing Hours
  • Verify Jewel Loans and managing Jewel loan bags
  • Handling Customer Complaints
  • Sourcing new Loan customers in Market and Pre-sanction visit and make due diligence of new Loan customers and collecting Loan Documents
  • Recommending a Loan Proposal of Retail,Vehicle, Mortgage and MSME Loans to Branch Head/Regional Office/Head Office for sanction
  • Analysis of Financial Statements,Ratios and Borrower's Credit reports
  • Handling project Loans and Pre and Post Shipment Finance
  • Assistant Manager Discretionary Powers to Sanction Loan Amount of Rs.0.25 Crore to Individual Exposure and Rs.0.40 Crore to Group Exposure
  • Verification of Loan Documentation
  • Post Sanction Followup and ensure the Compliance of Regional/Head Office Sanctioned Loan
  • Make Godown Visit on monthly basis
  • Visiting SMA and NPA Borrowers for recovery

CLERK

TAMILNAD MERCANTILE BANK LTD
TAMILNADU AND GUJARAT
04.2013 - 04.2019
  • Canvassing of Saving, Current A/c and Term Deposit and regularly generate MIS report and contact with new and existing customers for lead generation
  • Opening , Closing and Renewal of Term Deposit at system level
  • Handling of Cash
  • Generating MIS report for borrowers in SMA0,1 & 2 and Verge NPA and Make Call and send the Repayment Reminder Notice
  • Preparing reports of NPA Borrowers for proceeds under SARFAESI
  • Preparation of Monthly, Quarterly Statement
  • Preparation of Loans of Retail,Vehicle Mortgage and MSME
  • Post Sanction Followup and Preparation of Compliance of Regional/Head Office Sanctioned Loan
  • Make Entry of Encumbrance Certificate for Mortgaged Property

Education

Bachelor of Commerce

Aditanar College of Arts And Science
Tiruchendur
05.2011

Skills

Certification

JAIIB

Timeline

CERTIFICATE COURSE IN MSME

03-2024

MANAGER

TAMILNAD MERCANTILE BANK LTD
05.2023 - Current

ASSISTANT MANAGER

TAMILNAD MERCANTILE BANK LTD
05.2019 - 04.2023

JAIIB

03-2017

CLERK

TAMILNAD MERCANTILE BANK LTD
04.2013 - 04.2019

Bachelor of Commerce

Aditanar College of Arts And Science

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