As an Assistant Manager at State Bank of India (SBI), the largest public sector bank in India, I have successfully balanced both sales and compliance in retail credit and branch operations.I hold a BSc degree in Physics from Govt. Brennen College Thalassery, and I am a certified banker by the Indian Institute of Banking and Finance (IIBF), having passed the Junior Associate of Indian Institute of Bankers (JAIIB) and the Certified Associate of Indian Institute of Bankers (CAIIB) exams. I have used Management Information Systems (MIS) to track progress, understand changes, and set the context for the tasks. I have hands-on experience in loan appraisal, credit underwriting, financial statement analysis, credit report analysis, banking analysis, deviations, auditing and loan recovery. I have hands on investing experience in various asset classes, including debt and equity mutual funds, govt schemes, and direct stocks. My goal is to leverage my skills and experience to contribute to the growth and profitability of SBI and the banking sector.