Head -Regional Home Loan Sales Team**Responsibilities:***Client Consultation: Assisted clients in understanding home loan options, assessing financial needs, and guiding them through the loan application process.*Loan Processing: Managed loan applications from submission to approval, ensuring all documentation was accurate and complete.*Sales Strategies: Developed and implemented sales strategies to meet and exceed loan production goals, including outreach to potential clients and follow-ups with sales team members and various DSA.*Market Research: Conducted market research to stay informed about industry trends and competitive offerings, leveraging insights to provide clients with the best loan solutions.*Collaboration: Worked closely with underwriters, loan officers, and other team members to ensure smooth and timely loan processing.*Customer Service: Provided exceptional customer service, addressing client inquiries, resolving issues, and maintaining a high level of client satisfaction throughout the loan process.**Key Accomplishments:***Sales Performance:** Consistently exceeded monthly and quarterly sales targets, contributing to the team's overall success.*Client Satisfaction:** Achieved a high client satisfaction rating through personalized service and effective communication.*Process Improvement:** Streamlined loan processing procedures, reducing approval times and enhancing overall efficiency.*Team Contribution:** Actively participated in team meetings and training sessions, sharing insights and best practices to improve team performance.**Skills:**- Home Loan Sales- Customer Relationship Management (CRM)- Financial Analysis- Market Research- Communication- Team Collaboration- Problem-Solving

Worked as Branch Manager in leading PSU BankKey functions involve Analyzing Financial statements of MSMEs to arrive at Maximum permissible banking finance. Sanction Due diligence on the business, analysis of the industry, the risk involved in the business, cash flow forecasting, interaction with various govt bodies like the Dept of Commerce and Industries etc. Also understanding the exposure norms to the given industry, to help in capital adequacy according to Basel III norms etc. Analyzing the risk involved in financing new business ventures. Using Cash flow analysis metrics like DCF, NPV.Rating of MSMEs based on working environment considering various parameters like govt policies, operating environment, industry, economies of scale etc.Compare with industry-specific reports given by rating agencies like CRISIL.Implementing models in calculating MPBF.Renewal of various accounts like CC, and term loans.Priority Sector loansKeep a constant tab on PSL targets to achieve the given targets by extending loans to areas like Agriculture, Small scale industries, Agriculture and allied activities like Diary, horticulture etc.BGs and LCs Renew, close, issue Bank guarantees the small and medium enterprise by taking collateral and required fees.Statuary Audit Interact with statuary auditors and internal compliance auditors to understand the norms and complianceRetails loans Evaluate the creditworthiness of individuals and accordingly sanction loan as per the eligibility Continuous monitoring of the borrower accounts for recovery of EMIs.MIS ReportsGenerating reports from the database to present to the concurrent auditor and accept the correction suggested by them on behalf of the branch manager.Carry out day to day operations activities of the branch banking, including clearing of Cheque, ledger posting, locker operation etc.Generating daily reports etc.Handling activities related to the deposit of cash to the currency chest.

### Key Responsibilities*Loan Management: Oversaw the processing and approval of agricultural loans, including evaluating financial statements and assessing risk and recovery measures in bad loans.*Client Relations: Cultivated and maintained relationships with farmers, agribusinesses, and other clients to provide tailored banking solutions and support.*Financial Analysis: Conducted detailed financial analyses and feasibility studies to support lending decisions and ensure compliance with regulatory requirements.*Risk Assessment: Identified and managed risks associated with agricultural investments and loans, implementing strategies to mitigate potential financial losses.*Market Research: Performed market research to stay informed about industry trends, helping to guide product offerings and strategic initiatives.*Regulatory Compliance: Ensured adherence to banking regulations and agricultural policies, including managing documentation and reporting requirements.*Recovery measures and SMA management.### Skills- Agricultural finance- Risk management- Financial analysis- Client relationship management- Market research- Regulatory compliance-Recovery management

Key Responsibilities*Loan Management: Oversaw the processing and approval of agricultural loans, including evaluating financial statements and assessing risk.*Client Relations: Cultivated and maintained relationships with farmers, agribusinesses, and other clients to provide tailored banking solutions and support.*Financial Analysis: Conducted detailed financial analyses and feasibility studies to support lending decisions and ensure compliance with regulatory requirements.*Risk Assessment: Identified and managed risks associated with agricultural investments and loans, implementing strategies to mitigate potential financial losses.*Market Research: Performed market research to stay informed about industry trends, helping to guide product offerings and strategic initiatives.*Regulatory Compliance: Ensured adherence to banking regulations and agricultural policies, including managing documentation and reporting requirements.Achievements*Increased Loan Portfolio: Successfully expanded the agricultural loan portfolio by 50% through effective client outreach and relationship management.*Client Satisfaction: Achieved a client satisfaction rate of 90% by providing exceptional service and tailored financial solutions.*Process Optimization: Streamlined loan processing procedures, resulting in a 80% reduction in approval time.*SkillsTeam leadershipAgricultural financeRisk managementFinancial analysisClient relationship managementMarket researchRegulatory complianceRecovery management