Arun S
Bangalore
Summary
Profile
Results-oriented Bank Manager with more than 9 years of experience in Managing credit processes involving analysis & appraisal of proposals, coordinating with Operations Team for lending application and disbursal as per credit policies, Credit review of onshore clients which includes annual & interim reviews.
Overview
9
9
years of professional experience
Work History
Bank Manager
South Indian Bank
India
03.2024 - Current
- Overseeing the daily operations of the bank branch, ensuring efficiency and compliant processes.
- Managing cash handling, transactions and operational procedures.
- Ensuring a high level of customer satisfaction by addressing inquiries, resolving issues and providing expert advice.
- Driving business growth by cross selling financial products and services.
- Identifying opportunities for new customer acquisition and retention.
- Monitoring branch financial performance and analyzing reports.
- Implementing cost effective measures and revenue enhancing initiatives.
- Building and maintaining relationships with key customers, businesses and community.
- Preparing and submitting reports on branch performance activities and customer feedbacks.
- Review of various client documents, undertaking financial review, credit analysis, compiling regular weekly/monthly/quarterly reports, trend analysis, covenant review, ratio calculations, etc.
- Spearheaded overall credit portfolio of the branch with major focus on processing of corporate advances that include technical & fundamental assessment of short & long-term funding requirements of the clients.
Assistant Manager
South Indian Bank
India
04.2021 - 03.2024
- Gathered and analyzed relevant Financial, Business Model and Industry (Economy) information to facilitate sound credit decision-making through appropriately structured credit applications submitted to Credit Department for the approval; reorganized databases and updated credit files to allow for efficient annual reviews.
- Reviewed existing corporate and assessed the creditworthiness of potential customers; analyzed risk rating of the corporate clients and evaluated major financial & non-financial risks involved.
- Mapped existing products to client needs; assessed client rating through internal generated models; assessed funding requirements, determined the client’s repayment capacity and debt servicing capability in case of project financing and long-term loan requirements
- Performing an effected due diligence process by obtaining analyzing & reviewing all the related information to verify the customers/ clients identity and assessing the risk.
- Executing proper evaluation of corporate/ retails clients with an effective due diligence and KYC compliance process
- Analyzed financial documents and supplemental data to support lending decision-making and recommended credit requests to meet business needs.
- Liaised and maintained strong working relationships with Risk Team to ensure that all risks to the business, financial and non-financial are properly recognized and thoroughly mitigated.
- Understood and complied with all relevant policies, guidelines and procedures issued by the Group; ensured entire work is delivered within agreed time frames and meets the required high-quality standards.
- Monitored new and existing clients through monthly and annual financial and compliance reviews, evaluated ongoing collateral risk, assigned/ validated risk ratings on a regular basis and maintained applicable databases.
- Performing quarterly stock audits, legal audits and facilitating annual auditing and reporting the same to HO.
- Visited various existing as well as potential corporate customers to understand their operational functioning as well as credit requirements.
- Expertise in scrutinizing, recording and processing transactions based on the rules and guidelines laid down by various Controlling Bodies like RBI, SEBI, FEMA and other Law Bodies.
- Overall management of the branch retail portfolio including account opening , Fund transfers , Cash management.
Clerk
South India Bank
India
06.2017 - 03.2021
- Successfully conducted quantitative analysis of financial statements using different ratios to evaluate various aspects of a company’s operating and financial performance like efficiency, liquidity, profitability and solvency.
- Forecasted and evaluated financial risking corporate funding together by identifying procedures to avoid or minimize the same.
- Managed Inward & Outward Remittances and financed imports and exports for clients both pre-shipment as well as post shipment finance & foreign currency funding.
- Closely monitored corporate clients and conducted periodic reviews to determine the financial soundness and risk assessment of the clients
- Analyzed the recent trends in business, sales and other related areas, acquired additional business by constructive analysis of the ongoing market trends and constantly educated the customers regarding the same.
- Played a key role in supervising Post Sanction Process that included documentation, legal compliance, EM creation, inspection and all the requirements & compliances before the final disbursement.
- Received performer of the month in many occasions for outstanding contributions in additions of new business and compliance.
Education
Mechanical Engineering
K.S. Institute Of Technology
06-2015
Intermediate -
Kumarans PU College
03-2011
High School -
Carmel High School
03-2009
Skills
- Application Packages: MS Office (Word, Excel, PowerPoint), Advanced Banking Transaction Procedures
Languages
English
Professional Working
Hindi
Limited Working
Kannada
Professional Working
Certifications
09-2002
Timeline
Bank Manager
South Indian Bank
03.2024 - Current
Assistant Manager
South Indian Bank
04.2021 - 03.2024
Clerk
South India Bank
06.2017 - 03.2021
Intermediate -
Kumarans PU College
High School -
Carmel High School
Mechanical Engineering
K.S. Institute Of Technology