Deepak Joshi Email & Phone Number

Patiala, Pb, In

Dehradun, Uttarakhand, India

- Managing a team of Area Operations Manager in four hubs of Uttarakhand & Uttar Pradesh.- Providing senior level guidance, motivating and grooming team for next profession level.- Responsible for the overall performance and environment of all hubs within region.- Conducts frequent branch visits to ensure adherence to bank policies, consistency in successful implementation of new process and services- Ensure that teams are following set policies and procedures on ongoing basis.- Doing regular update, planning and strategy meetings with down line team, peer management and leadership teams.- Performs other job-related duties or special projects as assigned on regular intervals related to Process & Policy changes.- Serves as escalation resource for any issues or concerns in region.- Responsible for team training & new hiring for region.

Ludhiana Area, India

- Handling disbursements of Mortgage and Working capital for MIB/SEB segments. - Reviewing post-sanctioned credit proposals and issuance of facility letter and legal documentation to Relationship Manager. - Scrutiny of executed legal documents and advising back office for setting up limits/DD issuance.- Mortgage creation, CERSAI reporting and charge creation with ROC.- Tracking and closure of deferrals in system, updation of Fax/email indemnity.- Processing renewals, cancellation and post sanction modification of existing limits.- Driving the preparation of MIS reports for providing feedback to top management on performance

Ludhiana Area, India

- Responsible for disbursement and customer service of Auto loans, Personal loans, CV/CE, Education loans, LAS and Mortgage segment.- Conducting non discrepancy check of the documents ensuring compliance with the organizational credit policies. - Ensuring that Loan Applications are processed accurately & completely as per the Credit Policies & Operating Procedures as per specified Product Programs & within TAT.- Driving the preparation of MIS reports for providing feedback to top management on performance.- Identifying and implementing strategies for building team effectiveness by promoting a spirit of cooperation between team members.- Upkeep and maintenance of branches and handling admin related activities.

Handling disbursements of Mortgage and Working capital disbursements for BBG/EEG segments. Scrutinizing relevant documents before sanctioning/ disbursing the credit ensuring compliance with organizational credit policies Updation of stock statements and handling vaulting of property documents at branch.Bank reconciliation and mapping of the disbursement and collection accounts.Handling customer service for mortgage and consumer loans.Driving the preparation of MIS reports for providing feedback to top management on performance

Promoted as Customer Accounts Manager on the basis of last two years performanceResponsible for handling activities pertaining to sanctions/ disbursements of home/consumer loans with accountability of Conducting non-discrepancy checks of documents/papers required for loan for avoiding operational as well as business risk.Assessing creditworthiness of clients, appraising credit proposals, scrutinizing relevant documents before sanctioning/ disbursing the credit ensuring compliance with organizational credit policies. Ensuring that Loan Applications are processed accurately (< 1% error) & completely as per the Credit Policies & Operating Procedures as per specified Product Programs & within TAT.Bank reconciliation and mapping of the disbursement and collection accounts.Driving the preparation of MIS reports for providing feedback to top management on performance.Developing, motivating and guiding a team of 5 executives & subordinates toward successful outcomes and attainment of business objectives. Identifying and implementing strategies for building team effectiveness by promoting a spirit of cooperation between team members.Bank reconciliation and mapping of the disbursement and collection accounts.Awarded the title of "Ops Ka Boss" for the exemplary performance in the month of June '08

Successfully handled activities relating to Sanctioning, Banking & Disbursement as well as non discrepancy check of documents before processing loans. Spearheaded processing of loans on online software's within agreed turnaround time limits.Holds the credential of receiving appreciation from ROM (Regional Operations Manager) for maintaining ZERO percent error in sanctioning for over an year.Successfully bagged 1 rating in yearly Performance Appraisal.

Pgdba, Finance, A+

PGDBA

M.Com, Finance

M.Com (Finance)

Bachelor Of Commerce - Bcom, General Studies

Activities and Societies: NCC 'C' Certificate holder