* I am dedicated to facilitating/consulting home loan, loan against property and otherretail / business loan transactions with a credit perspective for clients on-boarded bythe pioneer banking team.* Performed due diligence research on potential investments before recommendingthem to clients.* Provided comprehensive wealth management services to high-net-worthindividuals, including asset allocation, retirement planning, estate planning and taxmanagement.* Oversaw operational performance of team, ensuring compliance with companystandards and developed training programs to enhance employee knowledge andskill-set.* Performed financial analysis to inform discussions with partners and make strategicdecisions.* Remained calm and professional in stressful circumstances and effectively diffusedtense situations.* Collaborate with other competencies in consulting and ensure organizational goalsand priorities are achieved as a team.

* As a Product Manager, I serve as the intermediary between ICICI Bank and ICICISecurities for various financial products, including home loans, loans againstproperty, commercial purchase loans, business loans (secured and unsecured),loans against shares & Mutual Funds, Auto loans, Education loans, and other assetproducts sourced from internal and external channels.* Successfully offered specialized assistance in various areas such as home loansand mortgage solutions, ensuring that clients receive personalized and tailoredfinancial guidance.* Mentored junior staff in the organization's business processes, customer servicestandards, and quality assurance protocols.* Identified areas of improvement within existing operations through process analysisand bench-marking studies.* Collaborated with cross-functional team members to build and executedevelopment plans.* Ensured compliance with applicable laws, regulations, policies, and proceduresacross all business units.* Established effective communication channels between different departments withinthe organization.* Participated in recruitment initiatives by interviewing potential candidates andselecting suitable hires.

* Appraising proposals, conducting risk analysis & scrutinizing relevant documentsbefore sanctioning / disbursing home loan / LAP segment, ensuring compliancewith credit policies. * Analyze applicant's financial status, credit and property evaluations to determinefeasibility of granting loans. * Adhere to and comply fully with any and all CITIBANK N.A. policies and proceduresrelated to internal and external rules and regulations, particularly those establishedby RBI and State law. * Assisted external auditors by providing requested documentation pertaining tocustomer accounts. * Checked payroll, vendor payments and other accounting disbursements foraccuracy and compliance. * Monitored customer account details for non-payments, delayed payments and otherirregularities. * Analyzed financial data to determine the degree of risk involved in extending credit.

* Handling customer queries face to face, over the phone or via correspondence.Co-ordination with property valuer's and lawyers, Independent appraisal unit(Technical team) for respective cases. * Preparing MIS reports to provide feedback to top management on businessoperations. * Ensured that all vendors were compliant with applicable laws, regulations, code ofconduct, safety protocols. * Performed regular audits of existing vendors to verify accuracy of data provided ininvoices or contracts. * Analyzed vendor performance metrics to identify areas for improvement andincrease operational efficiency. * Developed and implemented vendor selection criteria to ensure compliance withcompany policies.

* Reviewed loan requests for accuracy, completeness, and compliance withapplicable regulations. * Processed customer credit applications and documents in accordance with bankprocedures. * Researched and analyzed customer financial information to determine eligibility forloans. * Verified customer identity by obtaining proper documentation from applicants.Collaborated with other departments to ensure smooth processing of creditapplications. * Performed risk assessment on customers' creditworthiness using establishedcriteria.

* Assisted in the preparation of tax returns by gathering necessary information fromclients and maintaining organized files with documents related to taxes. * Finalization of accounts and preparation of financial statement of companies,Partnership firm's proprietorship business. * Maintained accurate invoice summaries and collection records to enhancemonitoring of billing and cash inflows. * TDS payment and return filing. * Maintaining all books of accounts as per companies act & Income tax. * Reviewed invoices for accuracy and completeness prior to payment processing.