Analyst - Retail Credit
emiratesnbd
Total years of experience :16 years, 1 Months
- Verifying credit information and documentation provided by sales and branch's after checking the quality of loan application
- Responsible for reviewing, analyzing, recommending case for underwriter across all loans after applying company and central
bank guidelines .
- Performing exposure checks to find any liabilities such as Auto Loans, Home Loans, Personal Loans, Credit Cards, ROL's that
customer have within the group companies
- Liaise with RM for queries, additional information / documents, business recommendations for deviation, if needed .
- Attending to requirements of Audits and provide responses to audit remarks in respect of the functional area.
Managed and strengthened existing High Net Worth Client relationships and produced new solid client base that returned, time after time, and generated consistent revenue for the bank.
Engage clients to the complete width of Banking Products which includes Portfolio Management, Business Lending (LAP, O/D, and CC etc), Trade and FX, Investments to Business Fees etc.
Responsible for sale of Investment products including different asset classes like Mutual Funds, Structured Notes, Insurance Products, Fixed Maturity Plans, Treasury Products and also Systematic Investments.
Deepening existing relationships by cross selling other products like collections and payments (Transaction Banking Services Offer).
To generate revenue from identified preferred business banking clients from the current account portfolio through deepening, new acquisition or cross sell of banking products.
Handling issuance of L/C, BG & smooth processing of outward & inward remittances of mapped clients.
Analysed and profiled individuals based on risk and reward appetite in order to assess the suitability of different product offerings in different asset classes
Developed long term relationships based on trust and quality of service. Key importance was to keep up to date with global market trends. Continual assessment and servicing of clients financial portfolio was a must daily activity.
Adhered to high standards of corporate ethics, and commitment to performance, thus establishing unmatched credibility with clients, peers, management and staff
Consistently achieved customer retention goals while increasing client profitability through relationship building, outstanding service delivery, cross selling and referral development
Sales analysis and developing strategies to meet business targets on monthly basis.
Doing research on capital market and mutual fund industry on daily basis to advice on client’s portfolio..
Acquisition & Servicing of High Net Worth customers.
Previous Organization: India Bulls Securities Ltd, New Delhi, India (Jan 2010-Jan 2011)
Designation: Equity Advisor
Responsibilities handled: - Managing portfolio of mapped clients and advising them on their portfolio.
- Advising clients on their equity /commodity portfolio.
- Developing trading strategies in options and derivatives for clients according to their risk
appetite.
- Creating a suitable portfolio for the customers according to their financial needs.
- Building and maintaining healthy business relations with the clients and ensuring their
satisfaction.
- Study acquired clients to understand their Risk profile.
- Maintain Client Contact as per defined standards.
- Corporate actions intimation.
Summer Training
Summer Training (April 2009 - June 2009)
Zee Business as a Research Analyst.
Topic: Volatility in Indian Stock Market: A Study
Synopsis: Research report on the volatility of BSE and NSE.
Analyzing scope of arbitraging.
Responsibilities handled: ➢ Research on Quarterly results of Indian companies
➢ Estimation of expected quarterly results of Indian companies
➢ Topical Research
➢ Helping hand in shows like Indian Stock League and Antim Bazi.
Research Projects/Assignments
Winter Project: NPA management in Indian Banking Industry.
Synopsis: To understand factors leading to NPAs, and measure to control NPAs
Comparative analysis of NPAs in India, China and Japan.
Comparative analysis of NPAs in Public sector and Private sector Banks
Other Projects: ➢ Equity research - Fundamental and Technical analysis of selected securities.
➢ Valuation of merger between Oracle and Sun Microsystems.
➢ Empirical Study on 5 years profitability of HDFC BANK, analysis of Banks balance sheet and key financial ratios for 5 years.
➢ Development of India's Corporate Debt Market.
- Handle customer queries for well known brand Amazon.com
- Customer complaints over the phone.
- Offer resolution & customer service over the phone.
Highest Qualification Specialization College Year of Passing CGPA/ Percentage Post -Graduation MBA (Banking/ Finance) Asia-Pacific Institute of Management, New Delhi, India 2010 3.9/4.33 A Among the top 5 students
Graduation Bachelor in Commerce K.R.Degree College, Mathura, India 2006 61% 12th Standard Commerce Amar Nath Vidya Ashram, India 2003 70%