Reshmi S Email & Phone Number

Bengaluru, Ka, In

Bengaluru, Ka, In

Bengaluru, Karnataka, India

Thrissur, Kerala, India

Currently working as Scale I, Asst manager / Credit Operations Manager for an ELB Branch of CSB Bank Ltd [Branch in Charge for more than 6 Months]. Handling Retail Credits / LAP / Housing Loan / Personal Loans / Vehicle Loans / Handling SME. Managing 10+ personnel by implementing training, engaging in proactive problem solving, and ensuring Bank compliance.Establish and maintain relationships with individual or business customers to provide assistance with problems these customers may encounter.Supervise staff in operations such as account management, customer service, financial operations, and other bank functions.Handling liaising activities, coordinating with customers, initiating efforts for controlling customer escalations ensuring that highest service standards are maintained for servicing clients and maintaining minimum turn-around time.

Ernakulam, Kerala, India

Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans. Credit Underwriting- Appraisal of loan files as per Bank policy and initiating the process through LOS. Mainly handled Home loans, Vehicle loans, Personal loans, LAP.Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.Review loan agreements to ensure that they are complete and accurate according to policy. Accelerating new/renewals/Enhancements proposals in a timely manner and highlighting comments / recommendations to the appropriate authority as per banks Credit Policy and RBI guidelines.Approve loans within specified limits, and refer loan applications outside those limits to management for approval.Prioritize client debt repayment to avoid dire consequences, such as stressed accounts, NPA, by direct interaction with the customer to ensure correct payments of loan.

Trivandrum, Kerala, India

Examine, evaluate, or process loan applications.Credit Underwriting- Appraisal of loan files as per Bank policy and initiating the process through LOS. Mainly handled Home loans, Vehicle loans, Personal loans, LAP.Establish procedures for custody or control of assets, records, loan collateral, or securities to ensure safekeeping.Oversee the flow of cash or financial instruments.Evaluate financial reporting systems, accounting or collection procedures, or investment activities and make recommendations for changes to procedures, operating systems, budgets, or other financial control functions.

Trivandrum, Kerala, India

Receive payment by cash, cheque, credit cards, vouchers, or automatic debits.Issue receipts, refunds, credits, or change due to customers.Assist customers by providing information and resolving their complaints.Count money in cash drawers at the beginning of shifts to ensure that amounts are correct and that there is adequate change.Answer customers' questions, and provide information on procedures or policies.