As a Senior Manager Credit at Punjab National Bank, I had the privilege of overseeing critical aspects of credit assessment, risk management, and compliance within the banking sector.Key focus areas-*Conducting thorough credit assessments*Managing risk effectively*Ensuring compliance with banking regulationsAccomplishments-*Successfully led my team through challenging credit assessment processes, resulting in streamlined operations and improved efficiency.*Achieved targets for loan approvals while maintaining a strong focus on risk management and credit quality.

As a Branch Manager at Punjab National Bank, I had the privilege of leading a dedicated team of 8 professionals and overseeing all aspects of branch operations.*My responsibilities encompassed managing day-to-day operations, ensuring regulatory compliance, and driving business growth strategies to meet and exceed branch targets.*Providing exceptional service to our valued customers by providing them with positive banking experiences and building lasting relationships within our community.*Increased the growth of the branch in retail loan portfolio (Includes Housing, Education, and Vehicle Loans) by 13%.*Implementing outbound calling campaigns and cultivating branch referrals to acquire new business and initiating outreach efforts, generating appointments, and building community relationships to expand branch’s business.*Managed a credit portfolio of CAD 4 million wherein I coordinated with the surrounding vehicle dealers, housing realtors, and commercial real estate agents on marketing and financing of properties and vehicles.

*Managed a project of Gold Import which increased the revenue of the branch by CAD 130,000.*Delivering personalized financial and investment planning advice, prioritizing the customer's best interests.*Identifying client needs and offers tailored solutions through the sale of managed products like mutual funds and retirement savings plans.*Prepared and submitted monthly, quarterly, and yearly branch financial reports to the Branch Head for review.*Proactively engaging with new and existing customers to conduct needs-based assessments, fostering loyalty and identifying growth opportunities.*Managed the trade finance department along with 2 senior officials and was the primary point of contact for issuance of Inland Letter of Credit (ILC), Foreign Letter of Credit (FLC), Letter of Guarantees (LG), and other documentary credit based on the latest UCPDC-600 guidelines issued by the ICC (International Chamber of Commerce).

In depth study about a project on Head Up Display systems or HUD display systems in fighter aircrafts.