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
Tiruchendur05.2011
Skills
Analyse the Customer's Credit Worthiness,Credit Scores, Financial Status and Repayment Capacities and Make Recommendations about whether to increase,adjust,extend or close lines of credit
Ability to handle difficult and stressful situations with professional composure Ability to maintain effective interpersonal relationships
Time Management
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