VINEETA SHUKLA
Bangalore
Summary
Result-oriented dynamic banking professional with over 13 years of diverse experience in core banking, with a dedicated focus of over 6 years as a credit manager. My expertise lies in proficiently managing loans and advances, encompassing Micro, Small and Medium Enterprises (MSME) and diverse retail loans. This includes strategic oversight of marketing initiatives, processing procedures, vigilant monitoring of activities, and efficiently handling of pre- and post-sanction formalities of loans and advances.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Assistant Manager
Baroda Uttar Pradesh Bank
07.2017 - Current
- Performed routine tasks for loan servicing functional area including reviewing loan disbursement request, processing disbursement, preparing loan demands and re-conveyances.
- Completed the loan documentation and initiated loan disbursements as well as monitored the loan disbursement process.
- Successfully expanded the customer base, sourced new customers to generate revenue for fund based and non fund based products.
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Examined customer loan applications for loan approvals and denials.
- Submitted loan applications to underwriter for verification and recommendations.
- Ensured replication of centrally sponsored schemes and state sponsored schemes.
- Reviewed existing portfolio and constantly updated the ReKYC, PAN and Covenant compliances as per the banking standards.
- Monitored loan utilization by inspecting financed units and ensured timely insurance, renewal, drawing power updation by collecting stock renewal statement.
- Ensured timely service of interest by customers and maintained portfolio health.
- Initiated recovery of stressed accounts through tele-calling or field visits.
- Cross selling bank products such as credit cards, debit cards, insurance policies, mutual funds etc. to both new and existing customers.
- Ensured compliance with bank’s policies and guidelines throughout the procedures.
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Improved customer satisfaction by addressing and resolving complaints promptly.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Collaborated with underwriters to expedite loan approvals and close deals in a timely manner.
- Conducted thorough credit analysis to minimize risk exposure for the financial institution.
- Developed and implemented marketing campaigns to attract new customers.
Office Assistant
Baroda Uttar Pradesh Bank
02.2011 - 06.2017
- Oversaw general, routine clerical operational tasks including incoming and outgoing cash records.
- Worked under close supervision following established procedures
- Provided clients with relevant information on products and services offered by the bank
- Resolved customer issues pertaining to products and services
- Facilitated in training newly hired cashiers.
Education
Bachelor of Commerce - Commerce
Mahila P.G. College, Lucknow University
Lucknow, India06.2011
Skills
- Banking Operations
- Credit Analysis
- Loan Servicing
- Customer Relations
- Decision-Making
- Bank Product Marketing
Certification
JAIIB-IIBF Certification, 01/2015
Timeline
Assistant Manager
Baroda Uttar Pradesh Bank
07.2017 - Current
Office Assistant
Baroda Uttar Pradesh Bank
02.2011 - 06.2017
Bachelor of Commerce - Commerce
Mahila P.G. College, Lucknow University