• Assessing the performance in the assigned area/ department and provided continuous support to branch in order to achieve assigned targets and objectives• Implemented credit policy and undertook its continuous evaluation to ensure adherence to the policy & compliance with the authority matrix at branches assigned.• Analyzed the portfolio health and risk involved in particular segment of assets & profile and provided timely feedback • Spearheaded a rural/ urban branch and successfully improved branch business, increased credit, reduced NPA and turned around the branch to profit • Conducted appraisal for the loans to the entrepreneur of small-scale industries, the shopkeepers and retail traders and for other loans to small businessman• Conducting analysis of MIS of commercial parameters in utility such as billing, recovery, new customer acquisition, and take measure and metrics to increase profitability• Liaising directly with clients to negotiate commercial terms when appropriate• Improving customer relationships with the bank to protect the bank’s position and assets; developing healthy business relations with key stakeholders across the retail departments to achieve the strategic targets• Adhering to compliance with bank’s operational and credit standards, laid down procedures, regularity standards as well as internal and external policies• Helping various customers and suggest suitable deposit products based on their needs• Evaluating loan applications, assessing prospective borrowers & recommending suitable product based on requirements• Checking NPA accounts regularly explore various channels for recovery & ensuring recovery in accounts• Adhering to appropriate regulatory and statutory measures for NPA borrower to ensure recovery• Mentoring junior team members, monitored and evaluated their performance on a periodical basis; ensuring that departmental efforts are coordinated in meeting customer requirements

Preliminary credit verification of loan applications.Processing of Loan applications.Compliance