Vivek Pandey

Develop and execute sales, relationships, and credit strategies that aligned with Area business plans to achieve desired revenue, expense and service goals. Support the portfolio growth in the center by identifying cross-sell opportunities, deepening relationships and increasing client acquisition with an emphasis on Wealth Management .

• Conducted in-depth financial analysis to evaluate corporate borrowers'' creditworthiness.
• Investigated and resolved customer disputes related to credit decisions.
• Participated in loan committee meetings to provide input on lending processes.
• Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
• Improved understanding of financial statements, which helped in assessing risk.
• Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
• Performed credit reviews on corporations to assess financial conditions.
• Assessed credit risk and analyzed financial statements.
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• Coordinated employee grievances and disputes in timely and professional manner by finding constructive solutions.
• Organized and led staff orientation programs and training to promote collaboration.
• Distributed employee engagement surveys to identify areas of improvement.
• Created vision and goals for HR team and motivated staff to achieve excellence in customer support and core HR processes.
• Coordinated technical training and personal development classes for staff members.
• Supervised and mentored direct reports and developed talented HR teams.
• Developed focused training programs, leadership pipeline and succession plans.
• Instructed senior leaders on appropriate employee corrective steps.
• Managed employee disputes by employing conflict resolution techniques.
• Proven ability to learn quickly and adapt to new situations.
• Implemented performance reviews and motivational strategies to elevate HR team results.
• Learned and adapted quickly to new technology and software applications.

Lead, managed and coached center with 14 associates. Achieved all sales and service goals. Developed outside sales activities with this and surrounding centers. Synergized with internal partners such as Wealth Management and Business Banking across the organization to drive business results.

• Resolved various issues impacting sales management and business operations.
• Strengthened cross-selling initiatives by identifying customers'' financial needs and recommending suitable products or services.
• Maintained friendly and professional customer interactions.
• Led a team of banking professionals, providing regular coaching and development opportunities for career growth.
• Performed banking, business administration and financial tasks to guarantee five-star service for clients.
• Developed strategic plans for day-to-day financial operations.
• Optimized staff productivity through effective scheduling, task delegation, and performance monitoring.
• Assessed employee performance and developed improvement plans.
• Consulted customers to boost product sales and services.
• Complied with regulatory guidelines and requirements.
• Conducted financial due diligence on potential investments and acquisitions.
• Implemented service improvements to enhance sales cycle.
• Demonstrated leadership skills in managing projects from concept to completion.
• Boosted branch revenue through targeted marketing campaigns aimed at attracting new clients and retaining existing ones.

Lead, manage and coached team to achieve 20% deposit growth over goal with outstanding targets achieved in sales products and loans. Achieved highest results in region. Oversee production by sales associates as well as meeting clients and prospective clients outside of the center in order to expand existing relationships and generate new relationships.

• Presented audit findings to accounting manager after reviewing results and paperwork.
• Collaborated with team members to develop new internal control measures, increasing overall financial security.
• Developed monthly, quarterly and annual profit and loss statements and balance sheets.
• Input vendor payments and updated accounts to reflect new balances.
• Maintained account accuracy by reviewing and reconciling checks monthly.
• Implemented new accounting processes to decrease spending and work flow downtime.
• Recorded deposits, reconciled monthly bank accounts and tracked expenses.
• Managed and responded to correspondence and inquiries from customers and vendors.
• Inspected account books and recorded transactions.
• Assisted cashiers with processing customer payments and documenting orders.
• Supervised accounting department operations and team of up 18 employees.
• Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
• Reconciled accounts, managed audits and updated financial records with remarkable accuracy.
• Delivered services to customer locations within specific timeframes.
• Gained strong leadership skills by managing projects from start to finish.

• Organized and finalized loan applications for underwriter review.
• Improved cross-functional collaboration, working closely with sales and operations teams to meet business objectives.
• Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
• Increased customer satisfaction scores by promptly addressing concerns and resolving issues related to credit products.
• Monitored accounts for signs of fraud and non-payment issues.
• Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
• Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
• Streamlined loan approval processes with the development of standardized credit policies and procedures.
• Worked well in a team setting, providing support and guidance.

Completed State Bank of India management program for both in-store and traditional banking.