• Entrusted with responsibility of handling 25 large corporate accounts as relationship manager, handling a portfolio size equivalent to C$ 400M along with new business portfolios• Achieved credit growth of 25% over previous year thereby achieving all branch targets• Conducted due diligence, pre-approval appraisal and post-approval follow up of commercial loans in diverse fields ranging from infrastructure, project loans, real estate, energy manufacturing and FMCG• Prepared complete financing proposals/loan case files and submitted credit and corporate loan proposals to higher management with recommendations for approval or rejection • Evaluated financial risk and conducted internal credit risk rating concerning capital management for high value corporate accounts by reviewing their financial statements• Approved credit loans including personal loan and mortgages within designated limits and provided recommendations in conformity with banking regulations thereby safeguarding organizational assets• Provided financial analysis and modeling to support decision-making in a clear and concise manner• Understood client businesses and accordingly provided loan/mortgage solutions through delivery of value-added, tailored financial advice to meet their needs• Managed marketing of term capital and working capital loans• Minimized loan risk through diligent, timely and proactive due diligence, financial reviews and awareness of changing economic influences and applicable industry trends• Analyzed delinquent accounts, prepared report on high-risk accounts and provided recommendations for resolution• Identified accounts requiring collection agency, legal action and coordinated with collection process• Managed issuance/renewal of bank guarantees and letters of credit in banking software• Lead, mentored and monitored performance of highly qualified team members to ensure efficiency and meeting of individual and group targets

• Awarded outstanding branch performance in May 2013 by achieving 45% growth rate in deposits and 29.60% growth in loans generating inflow of deposits and increasing sale of bank products• Met with high net-worth clients to discuss business and personal financial needs, assessed their eligibility for business/personal loans and provided range of solutions • Renewed/Reviewed credit facilities in accordance with bank guidelines• Managed cross selling of insurance, mutual funds and other third party products thereby achieving non-life insurance premium budget and obtained first position in mutual fund business in India• Monitored transaction volumes in customer accounts and ensured 100% accuracy of risk classification in accordance with Know Your Customer (KYC) parameters and anti-money laundering (AML) requirements• Assisted in internal/external branch audit and ensured audit reports are closed in a time bound manner• Maintained cordial relationship with other banking and financial institutions for expanding business and resolving queries and complaints for achieving high customer satisfaction• Monitored accounts receivable portfolio proactively for trends and warning signs• Conducted site and inventory inspections for commercial and housing loans

• Researched financial status of applicants via references, net-worth and repayment capacity• Processed financial transactions accurately using computerized cash registers in a fast-paced environment• Handled various procedures including opening and management of various accounts; maintained complete documentation and provided advanced banking facilities to customers• Promoted sale of fixed deposit accounts, credit cards, insurance, mutual funds and other banking services to meet sales targets• Opened on average 10 personal savings and non-personal current accounts daily and informed customers about ATM, phone banking and net banking services ensuring compliance with regulatory requirements• Ensured high level of customer satisfaction by meticulously attending to customer queries and complaints, combining communication and analytical skills with extensive product knowledge• Prepared bi-weekly reports of large advances, contingent liabilities and submitted data to Head Office• Acted as teller and joint custodian for cash and secured stationery, processed LVTS transactions and drafts