With over 15 years of experience specializing in Retail Credit and Lending, Branch Banking Operations, and Customer Service at a leading Bank, I am a competent and high-performing individual. My expertise lies in providing excellent customer service and possessing strong communication skills. I have effectively handled large volumes and demonstrated the ability to multitask. As an Executive Assistant in the Retail Banking & Credit Division at Commercial Bank, I met with customers to gather information for loan applications and guided them through the credit procedure. I analyzed customers' financial status and creditworthiness, conducted property inspections for secured facilities, and evaluated the feasibility of granting loans &explained various personal loan and credit options to customers, ensuring they understood the terms and conditions.I also obtained and compiled loan documentation, credit histories, and other financial information. I meticulously reviewed and updated credit and loan files, ensuring compliance with internal policies. Furthermore, I prepared and submitted credit facility papers for approval, critically evaluating business, management, finance, risk, repayment, and collateral aspects. Working closely with customers, I identified their financial goals and developed strategies to help them achieve those goals.Further, I prepared reports for delinquent accounts and initiated recovery actions as necessary. I successfully negotiated payment arrangements with customers holding delinquent loans. In my earlier role as a Banking Trainee in the Branch Banking Operations at Commercial Bank, I gained experience in various aspects of customer service, including account opening, processing debit and credit card applications, and cash handling. I also handled clearing of cheques, issued pay orders, foreign drafts, TC’s, and currency notes. Additionally, I gained knowledge in ATM reconciliation, telegraphic transfers, LC processing, and bill settlements.I have further enhanced my skills through professional certifications, including the Canadian Investment Funds Course from the IFSE, a Diploma in Applied Banking and Finance from the IBSL, and a Professional Diploma in Information Technology from the NIIT.With my strong attention to detail, computer literacy, time management, marketing management, teamwork, financial analysis, analytical skills, and interpersonal skills, I am well-equipped to contribute to the success of any organization. I am now seeking new opportunities to leverage my expertise and make a positive impact.