Yogesh Misal

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• Developed strong relationships with customers through high levels of customer service.
• Managed daily operations to ensure smooth functioning of the branch and timely completion of tasks.
• Examined customer loan applications for loan approvals and denials.
• Negotiated loan terms to provide favorable outcomes for both customers and lenders.
• Conducted regular audits of branch operations to identify areas for improvement and implement corrective actions.
• Acted as interim Branch Manager during vacations or absences from work; providing seamless leadership continuity without sacrificing operational efficiency.
• Enhanced branch efficiency by streamlining internal processes and implementing staff training programs.
• Monitored employee performance and provided constructive feedback for professional growth and development.
• Submitted loan applications to underwriter for verification and recommendations.
• Contributed to the growth of the organization by actively participating in various marketing initiatives aimed at promoting its loan products and services.
• Reduced cash discrepancies by consistently monitoring cash registers and conducting periodic audits.
• Managed daily cash deposits, ensuring accuracy and timely submission to the bank.
• Provided comprehensive reporting on each appraisal, clearly communicating results to clients in an easily understood format.
• Enhanced customer satisfaction by providing accurate and efficient gold appraisal services.

• Managed daily operations to ensure smooth functioning of the branch and timely completion of tasks.
• Conducted regular audits of branch operations to identify areas for improvement and implement corrective actions.
• Participated in community events as a brand ambassador, promoting bank products and services while building goodwill among local residents.
• Assisted Branch Manager in budget preparation, monitoring expenses closely to prevent cost overruns or wasteful spending.
• Managed cross-selling initiatives that expanded existing customer relationships while bringing onboard new clientele, contributing to the overall growth of the branch.
• Complied with regulatory guidelines and requirements.
• Maintained friendly and professional customer interactions.
• Conducted financial due diligence on potential investments and acquisitions.
• Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
• Utilized financial software to prepare consolidated financial statements.
• Performed periodic reviews of existing client files, ensuring continued adherence to AML/KYC requirements.
• Maintained updated knowledge of relevant regulations and industry best practices to continuously improve AML/KYC processes.
• Maintained up-to-date knowledge on industry trends and market fluctuations to provide informed guidance to clients.
• Utilized advanced technology to accurately determine gold purity levels within various types of precious metals.

• Evaluated departmental performance and developed improvements to key operations.
• Monitored operations to keep processes aligned with targets and matching forecasts.
• Developed successful strategies and policies, meeting organisational needs and implementing improvements.
• Established company targets based on previous performance and predicted forecasts.
• Developed annual branch business plans for maximum profitability and effectiveness.
• Managed risk assessments and compliance checks, adhering to legal and regulatory standards.
• Streamlined inventory management, reducing excess stock and optimising supply levels.
• Coordinated with HR to recruit, onboard, and mentor new employees, enhancing team capabilities.
• Monitored financial transactions to detect any suspicious activity or potential fraud.
• Analysed financial reports to monitor branch performance and implement cost-saving measures.
• Oversaw daily operations of branch, maximising efficiency and service quality to customers.
• Monitored market trends to align branch services with customer needs and expectations.
• Kept organisation in compliance with regulations and internal requirements.
• Handled customer relations issues, enabling quick resolution, and client satisfaction.
• Maintained relationships with customers and found new ones by identifying needs and offering appropriate services.
• Grew sales and boosted profits, applying proactive management strategies and enhancing sales training.
• Conducted credit analyses on applicants to assess risk levels prior to approval decisions.
• Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
• Improved loan processing efficiency by streamlining documentation and communication procedures.