• Verify registers, renews, discharges and administers all required security and searches. • Ensure effective use of systems for efficient processing and inquiries, including the banking system, registration system, and the ISC Land System, among others • Maintain daily tracking systems for expiry and renewal dates of insurance, mortgages, annual reviews and loan-related items• Ensure transactions are posted accurately and in a timely manner and that cash totals balance to GL. • Complete activities related to the proper maintenance and retention of office correspondence, loan files and other documentation• Process loan payments, payouts and disburses funds. •Maintain loan and/or membership documentation filing systems to keep records current and organized (imaging/paper filing systems).

* Collect copies of financial statements, credit histories and other financial information of loan applicant.* Analyze applicant’s financial status, credit history, and financial goals to determine how best to assist.* Coordinate with the applicant for getting information about loan applications and answered questions.* Educated customers on the variety of loan products and available credit options.* Submit the loan applications to credit analysts for further verifications and suggestions.* Negotiate payment arrangements with customers and credit institutions to assist in repairing credit history.* Act as a liaison for clients, and ensured complete customer satisfaction during the credit repair process.* Assist customers in making financial decisions to help them achieve their financial goals.* Manage servicing and collections activities* Support the Mortgage Loan Closing Department, in the assistance of closing the loans, explanation to our customers about the type of product, and quality control of the documents.* Achieve the results by the ethics and compliance of AML/BSA/USA PATRIOT Act/KYC/OFAC.

• Coordinated and executed comprehensive risk assessments, monitoring, testing, and surveillance activities to uphold the company's AML/ATF program's integrity and alignment with broader compliance initiatives.• Collaborated closely with the Chief Anti-Money Laundering Officer (CAMLO) to review and enhance AML/ATF policies, procedures, and methodologies, ensuring they adhere to evolving regulatory requirements.• Conducted quarterly and yearly methodology testing, meticulously documenting results, and presenting findings to the CAMLO for review and action.• Performed branch audits to identify, address, and oversee regulatory compliance deficiencies within branch environments, establishing remedial plans to rectify issues promptly.• Served as the primary point of contact for identifying and monitoring high-risk customers, applying due diligence protocols and risk assessment strategies.• Monitored and analyzed potentially suspicious or unusual transactions through advanced software detection systems such as S3-AML, as well as in collaboration with branch staff.• Vigilantly monitor internal systems for fraudulent activity alerts and conduct thorough investigations into fraud-related incidents.• Maintained a keen watch on customer databases for any connections to terrorism or terrorist property, ensuring prompt and appropriate responses when necessary.• Performed Enhanced Due Diligence (EDD) reviews for high-risk & medium-risk customers as well to minimize risk and enhance compliance.

* Assigned & managed credit portfolio of $353M generating annual revenue of $5M for ready-made garments industry& Non-Government Organization (NGO)* Conducted assessments related to credit risk for retail loan proposals with special focus on mortgage products.* Leading assigned zone for credit risk & portfolio management, and supporting sales team for asset growth.* Prepared MIS reports for the department to monitor performance & suggesting ideas for growth & risk control as well.* Prepared credit appraisals of clients by evaluating clients' credit data & financial statements, in order to determine the degree of risk involved in lending.* Worked with cross functional departments for business transformation projects* Assessed lending applications as per Credit Policy & review related to discretionary lending.* Liaised with branch managers, Business development, Collection, Product & Policy teams for credit risk management, portfolio management & asset growth.* Assisted BAMLCO for half-yearly AML & CFT assessments & coordinated quarterly meetings for AML & CFT related issues* Conducted Global standard periodic review on bank borrowers including source of fund analysis in compliance with AML/CDD Procedures to prevent money laundering & financial crime risk.* Completed analysis of transactional information to identify risk, trends and potential wary activities and identification of unusual transactions & Activities of borrowers.* Performed required Sanction screening through automated software, Negative media reports PEP customers including foreign individuals and High net worth customers.* Examined Enhanced due diligence report including Source of wealth analysis and prepared report on Questionable accounts and activities with higher money laundering concerns.

* Greeted customers and identified their needs, resolved queries in person, via e-mails and phone calls* Explained services provided by bank and educated customers on how to avail facilities* Provided and helped clients to fill up forms like account opening, loan processing, locker facility* Updated customers on the progress of their application requests* Assisted customers with documentation required for completing banking transactions and helped them to arrange and present for approval* Promoted various financial products sold by bank and helped customers make the right choice as per their budget* Dealt with all complaints/feedback registered with customer service desk by providing practical solutions or forwarded to higher authorities, if needed* Verified contact details of customers periodically and updated records* Updated bank's website with bank's latest developments - expansion plans, launch of facilities* Set up appointment for customers with bank authorities over telephone

It was the Young Leader program by the bank where the recruited employees go through a 12 months of functional and technical trainings on banking at different department of the bank , which are conducted by both internal & external professional trainers. After successful completion of the probation period, the bank appoints the candidates in the institution as Senior Officer.

* Worked at training & development department where arranged in-house, local & international training for the employees of the bank under the guidance of HR Head