Engaged in an intensive Finnish language integration program aimed at fostering linguistic proficiency and cultural assimilation within the Finnish community. Through comprehensive language instruction, cultural immersion activities, and practical communication exercises, I developed a solid foundation in Finnish language skills, enabling effective communication and collaboration within diverse settings. Current language level - B1.2

Conducted financial review of the high-risk accounts and analyzed financial and bank statements to assess credit worthinessPerformed financial assessments (growth trends, efficiency ratios, cash flow generation, burn rate, debt levels, overall liquidity), interpreting financial performance, competition comparison, and assessing credit exposureIdentified trends and validated potential larger impact to portfolio for further escalationResearched the company information on the internet and gathered all relevant information for the purpose of underwritingEvaluated the risk of default of the customers and worked with the senior underwriters based in the US to mitigate the riskMonitored and investigated merchants’ credit card processing activities using internal and external Risk monitoring tools

Retail and commercial credit appraisals and making detailed notes of the same.Making financial forecasting in excel for project loans and analyzing ratio analysis of the same.Preparation of credit proposals, gathering documentation and financial spreads.Managed the overall functioning of process, identified improvement areas and implemented adequate measures to maximize customer support satisfaction level.Followed the process / procedure of the bank & ensured compliance to rules and regulations of the bank including latest circulars & notifications.Ensured the highest standards of Know-Your-Customer (KYC) requirements by administering the file flow from login to disbursements like preliminary check for documents such as KYC, APS entry and verification of documents like income papers, bank statements, etc.Experience in recovery management, risk management, asset liability management.Resolved all issues and maintained knowledge on all loan servicing procedures.Managed all communication with internal departments to facilitate all loan processes.Handled banking operations related to determining financial objectives, preparing & implementing systems, policies & procedures for streamlining the banking operations.Review and decision system generated alerts to identify suspicious trends and activity by monitoring transactions through system/application.

Handled current account deposits, savings account deposits, cash departments.Built and maintained healthy business relations with clients, ensured high customer satisfaction matrices by achieving delivery & service quality norms.Assessed local market conditions and identified current and prospective sales opportunities.Kept proper records and looked into customer complaints.Arranged for the customers to repay outstanding loans to the bank.Counted currency, coins, and cheques received, by hand or using currency-counting machine, in order to prepare them for deposit or shipment to branch banks.Assisted customers with processing transactions, such as deposits, withdrawals, or payments, resolving complaints or account discrepancies, and answering questions.