Ramesh Chandran M Email & Phone Number

Bangalore

Bangalore

• Developed and maintained a new corporate relationship with lending exposure of INR 100+ Crores ($12+ Million) with a focus on onboarding new corporate clients• Negotiated and closed multiple high value deals, exceeding targets & maximizing profitability• Conducted detailed credit analyses and prepared credit appraisal based on organizational policies and procedures• Managed a portfolio of key clients, providing ongoing support and ensuring their needs are met.• Assessed loan purpose and structure, repayment sources, corporate, regulatory, and industry risk, liquidity, asset protection, historical and projected operating performance, and capital structure• Guided assigned accounts in ensuring compliance with the covenant, legal documentation, and ongoing monitoring of credit conditions. Assessed various securitization (Priority & Non-priority) and Inter-Bank Participation transactions• Generated additional business for the organization by cross-selling various Treasury, Trade, CMS & Retail products. Catered to additional credit requirements of existing corporate clients• Evaluated and presented various status reports for the senior management and the stakeholders to realign policy decisions to the changing market dynamics and other related factors• Analysed market trends and competitor activity to identify new business opportunities

Bangaon Area, India

At Branches (Kozhikode [1 Yr], Kerala/Edappal [1 Yr] & Bangalore/Koramangala [2 Yr])• Responsible for Processing of New Retail Loans• Responsible for liaison with loan sanctioning departments for quick sanction• Responsible for the administration and day to day operations at the Branch• In charge of on-Site & off-site ATMs of the Branch• To meet & attempt to exceed the branch's business targets and to cross sell of various Bank’ s products• Single point of contact for all NRI customer’s queries• Timely follow up of all Stressed assets upto Rs 1 LakhAs Executive Assistant to the Regional Manager (1 ½ Yr)• Assisting Regional Manager in monitoring 33 Branches of Ernakulam Region with a total business of Rs 7000/- Crores• Assisting Branch Managers in meeting their various business targets• Formulation and Successful implementation of various Business Promotional Campaigns for these Branches• Lead around 15 outsourced sales staff. In charge of their recruitment, monitoring performance and Payroll• Successful in conducting various events Hosted by The Federal Bank in Ernakualm (Navy Fest, CREDAI Property Show, HNI Customer Meet etc.)• Assisting Regional Manager in new Branch opening and shifting of existing Branches

Study of Capital Account Transaction Process

Pgdm, Finance, 7.4 Cgpa

Bbm With Computer Application, Business Administration And Management, General, 69%

12Th Standard, 82%