Vijayalakshmi V

• Overall control of Branch working, Business development and Redressal of

Complaints.

• Public relations, Industrial Relations & maintain liaison with authorities of Govt./

RBI/ Public.

• Monitoring of Credit Portfolio/ Upgradation of NPAs/ Recovery in NPAs

• Exercise sanctioning powers both lending and non-lending / administrative and

reporting to authorities.

• HRD, motivation through staff meetings, Conduct Customer meets.

• Follow up of inspection and audit reports & ensuring rectifications.

• All correspondence relating to Central Office and other regions.

• Ensuring that the Banks system and procedures are properly followed at the branch.

• Risk assessments and compliance, managing budget and finances.

• Developing business plans and attaining business growth in Loans and deposits,

• Network to improve the presence, reputation of the branch and company.

• Handling Banks Assets and Liabilities business catering to retail and corporate customers
• Maintaining strong banking relationship with HNI, NRI and Business Professional managing their Banking and Financial needs as a Single Point of Contact
• Acquire new corporate and retail clients for loans, deposits and trade finance products
• Having constant interaction with prospective customers to acquire Bank’s asset and liability business from existing and new clients
• Meeting potential clients to determine their needs and offering advice on how to achieve their financial goals
• Sourcing application, analysing financial data of prospective clients and put up the proposal to the sanctioning authority
• Evaluate and review loan application and collateral and make recommendation
• Negotiating terms of loans or other financial instruments offered to clients
• Process applications of retail loans (HL,PL,EL,VL) or other banking products including mortgage Loan, Term loan, Cash Credit and Over Draft facility
• Ensuring client satisfaction, resolving complaints and issues effectively and in a timely manner
• Upselling and cross selling products / services to clients and meeting sales/ revenue targets
• Sound knowledge of the company’s product and offers
• Provide financial planning and investment advice
• Ensure client Due Diligence and compliance with key regulatory and bank level requirements
• Liasoning with statutory auditor, internal auditor, concurrent auditor and RBI auditor to facilitate them in conducting audit and submission of compliance to controlling office and various audit committees
• Increased the asset and liability book size of the branch substantially sourcing new business by arranging campaigns, cross selling, deepening and marketing loan and deposits
• Received best performance award for generating TPD Business

• As a Sell side Analyst recommending stocks to domestic and foreign institutional clients to Buy, Hold or Sell stocks based on fundamental analysis
• Host Concalls and Meetings; arrange Plant visits and Road Shows with Corporate and Institutional investors to sell Indian equities and travel across India
• Generating revenue in terms of brokerage by selling equity products to new and existing client base
• Finding new stock ideas suiting client requirements
• Constantly engaging existing and potential clients by selling investment ideas
• Monitoring ongoing market opportunity, understanding and analysing clients demand and investment objective
• In-depth understanding of industry dynamics, detailed study of company’s business, past performance, growth potential and quality of management
• Construction of detailed financial model to forecast the future growth of the business
• Writing and Selling research reports on the companies under coverage to institutional investors
• Constant interaction with the top/middle management to understand the corporate strategy, growth prospects, financial performance and update on business developments
• Continuous follow up on the company and maintaining business relationship with top management for future endeavors
• Generated significant brokerage revenue by selling equities of listed companies like – Amara Raja Batteries, Wabco TVS, Sundaram fasteners, Bajaj Auto, etc to various institutional investors