I oversee Forex operations, including currency trading and risk management, ensuring optimal returns and asset protection. Leading credit assessment processes, I meticulously evaluate client creditworthiness and risk factors, resulting in a notable reduction in default rates. Managing credit portfolios strategically, I minimize losses and enhance profitability through astute risk management practices. Building strong client relationships, I provide tailored banking solutions, driving increased client satisfaction. Collaborating seamlessly with internal teams, I streamline processes and reduce transactional errors, ensuring a smooth client experience. Additionally, I possess expertise in Documentary Credit Processing, maintaining accuracy and compliance in financial transactions.

As a Deputy Manager in Banking Operations, I specialize in overseeing credit assessment, customer services, and cross-selling initiatives. With a focus on wholesale banking services, I am adept at catering to the needs of large clients such as financial institutions, government agencies, and corporations. I thrive in a fast-paced environment and am committed to driving results and achieving organizational goals.Responsibilities:Lead and manage a team of professionals to ensure efficient credit assessment processes, exceptional customer service delivery, and successful cross-selling of banking products.Oversee credit assessment procedures, including analyzing credit applications, evaluating risk factors, and making informed recommendations for credit approvals or denials.Provide guidance and support to team members in handling customer inquiries, resolving issues, and promoting banking products and services.Cultivate and maintain relationships with wholesale banking clients, addressing their needs and providing tailored banking solutions to meet their requirements.Collaborate with cross-functional teams to ensure compliance with regulatory requirements and company policies.Stay abreast of industry trends, market conditions, and competitors' offerings to identify opportunities for business growth and improvement.

As a Credit Officer, I specialize in assessing and evaluating credit applications to determine the creditworthiness of clients. I am responsible for analyzing financial data, identifying risk factors, and providing recommendations for credit approvals or denials. With a keen eye for detail and a thorough understanding of regulatory requirements, I ensure compliance with company policies and industry standards.Responsibilities:Review and analyze credit applications and financial statements to assess the creditworthiness of clients.Evaluate risk factors and make recommendations for credit approvals or denials based on established criteria.Conduct comprehensive credit investigations, including verifying financial information and assessing repayment capacity.Communicate credit decisions to clients and provide explanations for denials when necessary.Monitor credit portfolio performance and identify potential risks or delinquencies.Collaborate with cross-functional teams to ensure compliance with regulatory requirements and company policies.

Managed the issuing and cancellation of permit to work on lines connected to sub stations as well as substation equipments.  Supervised all maintenance work such as earth resistant measurement, power transformer maintenance, circuit breaker maintenance etc.  Supervised the day to day tasks of taking readings of instruments and posting them in the log sheet s as per standing instruction by the staff.  Ensured the correct ratings of current transformer and proper checking of power transformer. Supervised the operation of the substation as per standing instruction

Worked as an Assistant Electrical Engineer at JOS power controls for 1year and 6 months :Installation of 11KV Substation: Installation of H.T LBS/VCB panel, transformer (up to 1000kva), Cabling and Terminations along with H.T End Kit.Installation of L.T panels including MSB, Auto Mains failure(AMF): (AMF Panel is meant for Controlling DG set START/STOP Sequence in accordance to the availability of utility power supply and ensuring consistent power supply to the load),MCC Panels. Cabling and Terminations along with L.T End Kit etc. at various job sites. Also Preparation of CAD Control Wiring Drawings for various LT Panel Boards Including AMF panels, Design of Panel Boards.Maintenance: We have our maintenance site in Angamaly Industrial Area which includes Rice mills, Bread factories, Carton companies, Plywood companies etc. And there maintenance of various Electrical equipments such as induction motors and their starters, Air compressors, Molding machines, Blowers, Chiller plants etc.