Manikandasudhan Ayyanu Chettiyar Rajagoopalan
Buffalo,NY
Summary
Seasoned banking professional with over 9 years of experience and Seeking to leverage extensive banking knowledge and strong analytical skills to contribute effectively to the operations of ICICI and DBS Bank India Ltd as a Loan Documentation, Disbursement, Account Opening and Credit Monitoring Officer. Accomplished Assistant Manager with in-depth experience consistently rising through ranks. Well-versed in sales, personnel management, accounting and inventory management. Dedicated to complete knowledge of company products and services for optimized customer service.
Overview
7
7
years of professional experience
Work History
Assistant Manager – Loan Documentation, Account Opening and Credit Monitoring
DBS Bank India Ltd - Commercial Banking Branch
08.2017 - 06.2021
- Preparation of sanction letter, loan documents and execution of the same as per approval
- Supervised the account opening process, ensuring full compliance with KYC and AML regulations
- Managed account opening procedures, ensuring strict adherence to regulatory requirements
- Preparation of Disbursement Note for approval /Loan Disbursement & Adherence of Compliance to sanction terms
- Initiation & co-ordination – Valuation & legal for properties offered as collateral security
- Deferral Tracking and follow up for the same basis approvals
- Monitoring insurance for the assets secured
- Follow-ups with branches/obtaining documents as necessary for the closure of Audit Comments
- Closure of Accounts with all relevant approvals & Release of title documents, No Dues Certificate and charge satisfaction on loan closures and CERSAI charge satisfaction
- Conducting Unit Inspection
- Managing securitization transaction.
Assistant Manager – Loan Disbursement and Credit Monitoring
DBS Bank India Ltd – Regional Office
07.2014 - 08.2017
- SMA and NPA monitoring of all the branches falling under the region
- Maintenance of Post sanction compliance
- Conduct of various audits (Legal Audit/Stock Audit/Pre and Post disbursement Audit)
- Monitoring of Gold Loan portfolio of the region
- Preparation/Analysis and Submission of reports for different audits and monitoring
- Reviewing credit process notes for adherence to the lending policy
- Branch visits for verification of loan documents and compliance to laid down standards
- During the period also handled credit processing-put up some MSME Proposals.
Assistant Manager – Account Opening
ICICI Bank
09.2024 - 07.2014
- Supervise and manage the end-to-end account opening process, ensuring adherence to KYC and AML regulations
- Supported the account opening team by verifying documents and assisting customers with the account opening process
- Conducted thorough verification of all account opening documents to ensure accuracy and compliance with KYC and AML guidelines
- Addressed customer queries and concerns related to account opening, ensuring a high level of customer satisfaction
- Ensured compliance with all regulatory requirements and internal policies during the account opening process
- Maintained accurate records of all account opening activities and documentation
- Prepared regular reports on account opening activities, highlighting any issues or areas for improvement to senior management
- Oversee the loan disbursement process, ensuring timely and accurate release of funds to borrowers
- Conduct thorough credit monitoring and regular reviews of loan portfolios to identify and mitigate potential risks
- Ensure compliance with regulatory requirements and internal policies during the loan disbursement and monitoring processes
- Collaborate with credit analysts and underwriters to ensure all necessary documentation is complete and accurate before disbursement
- Implement and maintain internal controls to prevent fraud and ensure the integrity of the loan disbursement process
- Prepare and present detailed reports on loan disbursements, portfolio performance, and risk assessments to senior management.
Education
Bachelors in Electrical and Electronic Engineering -
Anna University Chennai
01.2011
Skills
- Loan Disbursement and Documentation Processes
- Account Opening Procedures
- Credit Monitoring and Risk Assessment
- Financial Statement Analysis
- Regulatory Compliance (KYC/AML)
- Data Analysis and Reporting
- Fraud Detection and Prevention
- Proficiency in Banking Software and MS Office Suite
- Money Handling
- Team motivation
Accomplishments
- Streamlined the loan disbursement process, reducing turnaround time by 25% at DBS Bank India Limited.
- Recognized for maintaining a high level of compliance and reducing loan default rates by 15% through effective credit monitoring.
- Successfully reduced account opening turnaround time at ICICI Bank.
Personal Information
Title: Assistant Manager – Loan Documentation, Account Opening and Credit Monitoring
Timeline
Assistant Manager – Account Opening
ICICI Bank
09.2024 - 07.2014
Assistant Manager – Loan Documentation, Account Opening and Credit Monitoring
DBS Bank India Ltd - Commercial Banking Branch
08.2017 - 06.2021
Assistant Manager – Loan Disbursement and Credit Monitoring
DBS Bank India Ltd – Regional Office
07.2014 - 08.2017
Bachelors in Electrical and Electronic Engineering -
Anna University Chennai