Khurshid Ahmad Email & Phone Number

Bengaluru, Karnataka, India

As a seasoned manager in advances, my role has revolved around overseeing mortgage and housing loan operations, ensuring adherence to lending policies, and facilitating efficient loan origination processes. Through comprehensive credit assessments, property evaluations, and borrower interactions, I've consistently made informed loan approval decisions. Notably, I've excelled in reducing loan delinquency rates through proactive recovery strategies and successfully reduced NPA from Rs18.00 Crores to Rs5.00 Crores as on date by effective follow up and monitoring after taking my present assignment. My role mainly includes: Loan Origination: Managed a team of loan officers responsible for housing and mortgage loan origination, ensuring strict adherence to lending policies. Small Business Loans and Government-Sponsored Schemes: Having a rich experience of business loans as well as working with government-sponsored schemes to meet diverse financial needs. Comprehensive Assessments: Responsible for Conducting thorough credit assessments, property appraisals, and borrower interviews to make informed loan approval decisions. Proactive Loan Recovery Strategies: Successfully reduced loan delinquency rates by implementing strategies like negotiation and foreclosure proceedings. Legal Collaboration and Reporting : Collaborated with legal teams to streamline foreclosure processes, ensuring compliance with all legal requirements and minimizing financial losses. Regular reporting of progress to seniors and RBI. Customer Satisfaction: Managed customer inquiries, concerns, and escalations, maintaining high levels of customer satisfaction and retention. Performance Reporting: Prepared regular reports on loan portfolio performance, offering insights execution of plans for achievement of set targets. Management Expertise: Proficient in overseeing teams, ensuring efficient operations, and proactively resolving issues, while upholding regulatory compliance.

Anantnag, Jammu & Kashmir, India

Experienced Insurance Coordinator:I have a rich and successful experience as an Insurance Coordinator and Marketing, with a proven track record in insurance portfolio management, policy evaluation, claims processing, and policy compliance. My skills also include negotiating insurance premiums and maintaining strong relationships with insurance providers. Additionally, I have successfully qualified for most of the insurance campaigns (Study Tours) launched by the bank, including but not limited to the Hong Kong Tour, Dubai Tour, and London Tour, along with domestic tours.In my role as a Zonal Coordinator Insurance, responsible for managing insurance for 93 branches, my primary focus included: Insurance Portfolio Management: I was responsible for overseeing and managing the organization's insurance portfolio, which encompassed various insurance policies such as health, life, property, and liability insurance. Claims Processing: I handled insurance claims from initiation to settlement, which included liaising with insurance providers to ensure timely claim resolution. Policy Compliance: I ensured compliance with insurance regulations and maintained up-to-date knowledge of insurance laws and regulations. Premium Negotiation: I negotiated insurance premiums and terms with insurance providers to secure the best coverage at the most favorable rates. Communication: I acted as a liaison between the organization and insurance providers, facilitating the communication of policy changes, updates, and renewal requirements. Marketing Strategy: I developed comprehensive marketing strategies and campaigns to promote insurance products and services to potential customers. Customer Relationship Management: I built and maintained strong relationships with existing and potential customers, providing them with information, support, and assistance in choosing the right insurance products for them.

Kulgam, Jammu & Kashmir, India

Responsibility as Credit In charge (Rural Banking) Prepare loan files and process them as per bank’s general procedures. Arrange and conduct credit applicant interviews for further analysis and credit processing. Recommend/sanction credit limit for clients based on various parameters. Supervise and ensure daily smooth functioning of the branch's credit Section. Scrutinize documents and suggest the most suitable scheme as per customer’s demand. Ensure credit portfolio monitoring post sanction and disbursement with proper follow-up and recovery. Monitoring and handling service-related operations for priority clients. Identifying HNIs through referrals and meeting them along with the Branch RM for establishing banking relationship.Responsibilities as a Branch Operations officer: Identify branch cash needs in coordination with my team. Monitoring of cash balances in ATM and ensuring the functioning of ATM without break. Monitor on daily basis teller’s transactions, ensure balancing and tallying of accounts at the end of the day and take the needed corrective actions. Responsible in handling the customer complaints and providing suitable solution on time. Monitoring the reports and registers on a daily basis. Closely worked with the Branch Head on all the parameters of operations and sales. Ensuring adequate compliance with laid down internal Audit & Compliance procedures and various banking regulations. Identify customers’ needs and fulfilling it with proper bank’s products or services, through promoting and marketing bank’s products and services through direct and cross selling to achieve branch goals and the yearly set targets and increase customer base and revenues.

Bengaluru, Karnataka, India

 Handled trade finance appraisal and operations, including foreign exchange services. Managed customer accounts and foreign remittances, ensuring compliance with regulations. Responded to correspondent banks' inquiries through SWIFT. Addressed audit observations and took corrective actions. Opening of LCs through Swift. Handling of export and import documents of my clients.

Masters In Finance And Control (Mba Finance), Finance And Banking, First

This degree encompasses a comprehensive study of financial management, investment analysis, risk assessment, and financial strategy. This.

Diploma, Credit Appraisal And Management, A

s a part of my ongoing commitment to professional growth, I earned the Certified Credit Professional/ Officer (CCP) designation.

Diploma/ Certification., Banking And Financial Support Services, A

This programme is designed to propel banking professionals to the forefront of the industry and has been instrumental in expanding my.

Diploma, Banking And Financial Support Services, A

I hold this certification, also known as diploma in Banking and Finance) from the Indian Institute of Banking and Finance (IIBF) Mumbai..