Aruna Gupta Email and Phone Number

• Loan Documentation – o Handling loan documentation of Corporate Clients o Analysis of Credit Sanction Note.o Checking of Adherence of RBI guidelineso Checking of Sanction Letter, scrutiny of executed documentso Security Creation and perfectiono Tracking of exceptions/ discrepancies in documents in system o Coordinating with borrower and business department for execution of loan documents and disbursement of limitso Follow-up for renewal of limits• Monitoring portfolio: o Ensuring timely submission of stock statements, financial statements etc., review them and put to higher authorities. o Timely recovery of term loan installment and interest and reporting of the overdue and irregular accounts to top management. o Conduct periodic audits/inspections of collateral and primary securities.• Security Validation: o Carrying out periodic validation of security from ROC, SRO and physical inspections along with Legal• Portfolio Management: o Ensuring compliance with all loan and security document covenants/conditions, timely security perfection and security cover maintenance. o Initiate annual internal valuation of the entire portfolio• Process review and automation of processes: o System Improvements through ideation and UAT Testing.• Defaults: o Highlighting early warning signals/potential event of default situation to business and credit. o Undertaking and carrying out measures to resolve potential defaults in liaison with other departments.• Delinquent Account: o Regular Monitoring of delinquent accounts and regular follow up with Collection and Business team for recovery of dues and liaise for timely filing of suit• MIS o Preparation of various MIS relating to the portfolio for reporting purposes to central office• Audit and Complianceo Strictly adhere to process flows & operational guidelines and compliance with RBI guidelineso Providing support to Concurrent Audit, Statutory Audit, Internal Audits and Operational Risk Audits

Trade Operations• Training and development of the new employees and induct them into the team to handle the various processes.• Providing services and solutions to clients in the area of trade related to Letter of credit, bank guarantee, bill negotiation in accordance with banking rules and regulations.• Scrutiny of the documents in accordance with laid down procedures and guidelines.• Ensure smooth and timely processing of the transactions related to trade.• Liaisoning with customer and other departments and arrange for the requisite documents for smooth processing of the transaction.• Regulatory Compliance - Strictly adhere to process flows & operational guidelines while processing customer transactions.• Monitor office accounts to ensure reversal of entries within TAT.• Statutory Compliance - Compliance as per UCPDC/ FEMA / RBI norms and ensure minimal Audit objection raised.• Systems Compliance/ Improvement - Facilitating periodic SOX Audits and other compliance and audit so as to ensure sustenance.

Profile & Responsibilities: • Handled key clients. • Liaison with top 20 clients which included public & private sector companies. • Provided trade services and handled general operational issues for the companies covered under portfolio. • Responsible for providing seamless and accurate service to the companies mapped. The products delivered included Letter of Credit – Import, Inland and Export LC advising, Buyer’s Credit, Import Bills, and Export Bill under collection and Negotiation, Bank Guarantees and Foreign remittances. • Handled their fund placement requirement (CPs and Call money) and service-related issues by communicating with respective department & other banks. • Ensured smooth operations of Cheque drawing arrangements and Cash management services. • Handled a team for services provided to SME Group (Small and Medium Enterprises) - Dealt in all banking services provided, related to trade and general banking operations as Letter of Credit, Clearing, Fund management. • Management / Coordination o Coordinated with the team to speed up processing of products and improve TAT (Turn Around Time). o Conducted meetings & calls with clients to resolve operational issues. o Train and develop new employees and induct them into the team to handle various process and products. o Developed and implemented innovative solutions to reduce the time taken to process transactions. • Audit o Coordinated various audits conducted at the branches level from time to time. Key Achievements • Became fully functional with all products and processes within a short span of three months. • Actively participated in process improvements, finding loopholes in the existing processes & suggested measures which got implemented to provide better services to the customer. • Was assessed for only 3 Performance ratings as against the norm of 4 rating for employees in their first year.