Enhancing overall revenue of branch through loans, deposits, investments and other banking products Sourcing, due diligence, appraisal, sanction, disbursement, and post disbursement monitoring of AGRI & MSME LOANS at Branch. Have sanctioned and disbursed more than 1000 loan accounts in last 5 years under AGRI & MSME both CC & TERM LOAN Identifying, evaluating and managing strategic risks and opportunities Advocating and marketing bank's products as per customer’s requirements Directing all operational aspects including distribution, customer service, human resources, administration and sales in accordance with the bank's objectives Providing training, coaching, development and motivation for bank personnel Developing forecasts, financial objectives and business plans Studying proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning / disbursing loan while ensuring compliance with organizational credit policies Conducting comprehensive study of the creditworthiness during the process of sanctioning credit/loan to individual clients. Bringing out the best of branch’s personnel by providing training, coaching, development and motivation Identifying areas of improvement, proposing corrective actions meeting challenges and leveraging growth opportunities Sharing knowledge with other branches & headquarters on effective practices, competitive intelligence, business opportunities and needs Addressing customer and employee satisfaction issues promptly Adhering to high ethical standards, and complying with all regulations/applicable laws Staying updated of competing markets and providing reports on market movement and penetration Increasing the overall productivity of the branch by implementing, budgeting effectively, eliminating inefficiencies and capturing growth opportunities Maintaining strong relationships with current customers and establishing relationships with new customers

Acquiring new loan customers and performing due diligence for all new applications.  Analyzing the various documents of the customers and preparing the sanction memorandum in consultation with higher authorities. Execution of various loan documents as per requirement of loan and guidelines of bank and making disbursement in the loan accounts.  Scrutinizing the existing loan accounts and keeping operation control on them. Monitoring the loan accounts and being in constant touch with the customer to avoid any overdue or operational discrepancy in the loan account. Getting the documents for keeping the loan account renewal and performing the renewal of the loans in time

To keep the routine operations running within the stipulated guidelines and making compliance to various regulatory requirements. Directing the daily operations for a retail bank, including branch sales, business development, customer service, teller services, clearing services and credit analysis. Managing the staff of operations for customer service, teller and clearing activities. Generation of various reports based on the guidelines and scrutinizing the same. To analyse financial statements for regulatory compliance, getting details about customer transactions, and generate lead for new business. Counselling the corporate clients and high net-worth individuals with regard to daily operations to facilitate their transactions and in this way satisfying them Keeping branch AUDIT READY all time during the year by complying every guideline for branch operations on day to day basis.

Increasing the deposit base of branch. Sourcing the Government and Trust accounts and managing relationship with them. I have received very good success in Govt and Trust accounts. Acquiring new high value customers and managing relationship with the existing high value customer. Cross selling TPD products and other banking facilities like lockers, Insurance, Mutual funds, foreign remittance services etc. Leading the sales team of more then 10-15 sales executives. Rendered preferred services to HNI clients and managed sales of agriculture loans like KCC, WHR and Gold Loans