Anuja Guturi

• Strengthened client portfolio by identifying needs and recommending suitable financial products or services.
• Kept current with financial services marketplace and legal and regulatory environment to uphold highest ethical requirements of industry.
• Complied with regulatory, legal and ethical requirements to protect bank assets.
• Followed through on risk and compliance processes and policies to safeguard customer assets, maintain privacy and act in best interest.
• Maintained high levels of cash handling accuracy, ensuring proper documentation and adherence to compliance requirements.
• Offered clients advice and guidance on digital and self-serve options to make banking easy, simple and fast.
• Collaborated with team members to achieve branch sales targets and enhance overall productivity.
• Mentored junior staff, fostering teamwork, collaboration, and professional growth within the branch.
• Managed risk effectively by adhering to bank policies and procedures during transactions.
• Welcomed customers warmly to meet banking service and transactional needs with seamless execution.
• Increased customer satisfaction by providing personalized banking solutions and exceptional customer service.
• Identified opportunities for cross-selling financial products, resulting in higher revenue generation.
• Engaged customers in needs-based conversations to identify opportunities and address banking plans and credit card needs.
• Participated in community outreach events, representing the bank positively while establishing valuable business connections within the local market area.
• Contributed to a positive work environment by actively participating in team meetings and offering constructive feedback when appropriate.
• Identified, marketed and recommended bank products and services to achieve individual sales.

Credit Manager - Regional Assets Group

PNB (one of the top 5 banks in India)

Aug’ 2018 to Dec’ 2022

· Managed large ticket consumer and commercial credit facilities at the regional credit center, serving 64 branches.

· Expertise in dealing with various types of credit facilities such as:

§ Residential Mortgages

§ Commercial Mortgages

§ Residential and Commercial Loans Against Property (Equity based Loans and Lines)

§ Home Improvement Loans

§ Commercial property renovation loans

§ Construction loans

· Scrutiny and processing of credit applications sourced by the branches and alternate channels.

·

Understands US banking / lending regulations

such as TILA, Reg Z, MLA, SCRA

Understanding of FedNow.

Working knowledge of message formats such as PACS.008, PACS.004, CAMT.052, CAMT.053

Authorized to work in US since June’23 (no sponsorship needed)

Quantitative credit analysis such as spreading, ratio analysis and risk rating.

· Qualitative Credit analysis / due diligence

· Prepared credit appraisal notes, obtained credit approvals, and oversaw loan closing and booking.

· Loan servicing functions –pre disbursement checks, disbursement processing, annual reviews, covenant monitoring, refinancing / restructuring of credit facilities etc.

· Ensured compliance with internal credit, risk, and operational policies, as well as regulatory requirements.

IT experience: Had the opportunity to work as a business lead supporting multiple IT initiatives such as Core banking transformation, Loan Origination system and other digital transformation projects.

· System parameterizations and process configurations.

· Review of functional / end to end test cases.

· Undertook end user testing activities to validate new systems.

· Was part of the business team doing post migration business validations to check accuracy of data.

· Project management support and stake holder coordination at a regional level

Credit Officer - Regional Assets Group

Oriental Bank of Commerce, India

Jun’2012 to Aug’2018

· Managed consumer and commercial credit facilities at the regional credit center

· Expertise in dealing with various types of credit facilities such as:

§ Unsecured Student Loans

§ Secured Student Loans

§ Government subsidized Student Loans

§ Small Business Term Loans – Unsecured

§ Small Business Term Loans - secured by Machinery, Property, Stock and Debtors

§ Small Business Working capital loans – Overdraft lines and Cash credit facilities.

§ Small Business Loans guaranteed by Govt. Agencies (similar to SBA loans)

· Scrutinizing and processing of credit applications

· Quantitative credit analysis such as spreading, ratio analysis and risk rating.

· Qualitative Credit analysis / due diligence

· Credit checks as per norms set by guaranteeing agencies in case of subsidized student loans and guaranteed small business loans.

· Preparing Credit appraisal notes

· Granting / obtaining credit approvals –in principle, conditional, final approvals

· Loan closing and booking functions

· Loan servicing functions –Disbursement processing, Renewals and Reviews, Refinancing etc.

· Ensured adherence to internal credit, risk, and operational policies, as well as statutory requirements.

Credit Officer - Regional Assets Group

Oriental Bank of Commerce, India

Oct’2008 to Jun’2012

· Proficiently processed and managed

§ small ticket consumer Loans such as unsecured personal loans

§ Auto loans

§ Consumer durable financing

§ Loans and lines backed by securities such as – deposits, mutual funds, insurance policies, stocks of listed companies.

§ Agriculture lending –term loans for agricultural machinery, revolving crop loans etc.

· Scrutinizing and processing of credit applications

· Conducted thorough credit analysis.

· Preparing credit appraisal notes

· Obtained Credit Approvals

· Performed Loan closing and booking functions.

· Overseeing loan servicing functions –Disbursement processing, Renewals and Reviews, Refinancing etc.

· Ensured compliance with internal credit, risk, and operational policies, as well as statutory requirements.

Branch Banking Officer

Global Trust Bank (2001-03), Oriental Bank of Commerce (2003-08), India

Oct’2001 to Oct’2008

· Worked as a deputy Branch Manager at multiple branches

· Had the second in line responsibility for the overall functioning of the branch, which included:

. Overseeing of day-to-day branch operations and customer service

. Managed a variety of products including transaction accounts, deposits, retirement products, depository products, safe deposit lockers

. Overseen teller functions and ATM management

. Handled small-ticket loan applications at the branch level and contributed to business development.

· Consistently met Business development goals

· Ensured branch level compliance

· Account reconciliation

• Self-motivated, with a strong sense of personal responsibility.
• Worked effectively in fast-paced environments.