Sudha Bulle
Parsippany,NJ
Summary
Over all 5 years of experience in Banking Industry. Excellent reputation for resolving problems and improving customer satisfaction. Skilled at helping customers and business accounts to meet financial needs by developing customized product and service solutions. Well-versed in solving routine and complex financial problems. Good communication, multitasking and conflict resolution skills. Versatile Banking professional successful at cross-selling bank products and services. Hardworking and outgoing team member skilled in cash handling processes and management principles. Capable with outstanding background in customer service, sales and banking.
Overview
5
5
years of professional experience
Work History
Commercial Credit Analyst
SMDC
08.2022 - Current
- Analyzed and judgmentally make consistent credit decisions based on the customer's stability, ability and willingness to repay credit debts.
- Interpreted debt to income ratios and utilization ratios when making decisions.
- Gathered loan documentation for underwriting.
- Improved understanding of financial statements, which helped in assessing risk.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
- Complied with all Federal Regulations, bank policy and procedures that govern the credit industry.
- Ensured that all applications are validated for information in compliance with US Patriot Act using online avenues of validation.
- Researched and analyze transactions to determine accounting entries for the Secured Credit Card Department.
- Reconciled the banks Cash and Credit Balance Refund Accounts by making adjustments to borrowers DDA accounts.
- Resolved delinquent accounts
- Increased profitability by optimizing pricing structures based on borrower risk profiles and market conditions.
- Assisted colleagues in resolving complex credit issues through sharing expertise, experience, and knowledge of banking regulations.
Senior Banker
WellsFargo
02.2019 - 07.2022
- Facilitated communication between various bank departments, promoting a collaborative work environment and efficient problem resolution for clients.
- Balanced teller drawers and ATM cash.
- Managed escalated phone calls by applying conflict resolutions skills and extensive knowledge of bank policies, products and services.
- Checked accounts for fraud and provided law enforcement with relevant details.
- Trained and mentored junior banking staff to maximize performance, efficiency and compliance.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Processed quarterly vault and ATM audits with zero error rate.
- Opened accounts with cross-sale products.
- Networked with realtors and current clients to generate referrals.
- Produced and executed loan packages.
- Prospected for new business through networking, community outreach and customer referral generation.
- Consulted on business packages and made personalized recommendations.
- Established new accounts for high net worth individuals and serviced existing accounts to maximize revenue.
Education
Master of Technoloy - Software Engineering
Jawaharlal Technological University
Anantapur, Andhra Pradesh.06.2013
Skills
- Experienced with Microsoft word,Excel, Outlook, powerpoint, CRM, Salesforce, BPM software
- Financial statements expertise
- Credit decisions
- Lending regulations
- Verbal and written communication
- Commercial and consumer clients
- Data Analysis
- Computer skills
- Team building
- Good listening skills
- Excellent work ethic
- Responsible
- Analytical skills
- Basic math
- Organizational skills
- Problem-solving skills
- Supervision
- Multitasking abilities
- Critical thinking
- Conflict resolution
- Leadership
- Customer Service
- Interpersonal Communication
- Flexible & Adaptable
- Collaboration
- Cultural awareness
Accomplishments
- Collaborated with team of 10 in the development.
- Supervised team of 4 staff members.
Timeline
Commercial Credit Analyst
SMDC
08.2022 - Current
Senior Banker
WellsFargo
02.2019 - 07.2022
Master of Technoloy - Software Engineering
Jawaharlal Technological University
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