Prem Chandra Giree

1. Oversee financial transactions ensuring accuracy and compliance with internal policies and regulatory
requirements.
2. Evaluate loan applications, conduct risk assessments, and ensure proper documentation and compliance.
3. Monitor credit portfolios and take timely action on overdue accounts and potential defaulters.
4. Maintain strong relationships with customers by understanding their financial needs and offering suitable banking
products and services.
5. Provide support and guidance to clients regarding microfinance policies, repayment schedules, and savings plans.
6. Prepare timely reports for internal Strategy and external regulators
7. Manage day-to-day operations of the assigned 29 branches, including supervision of junior staff.
8. Ensure the efficiency and accuracy of loan disbursement, collection, and documentation processes.
9. Contribute to the development and execution of the branch's strategic plans and outreach goals.
10. Support financial inclusion efforts through innovative service delivery in rural and semi-urban areas.
11. Lead and mentor subordinate staff, promoting a culture of performance, accountability, and ethical behavior.
12. Provide necessary training and support to enhance the skills of team members.

Branch Operations Management
1. Oversaw daily banking operations including customer service, cash management, and administrative tasks at the
branch level.
2. Ensured smooth functioning of the branch in alignment with bank policies, procedures, and regulatory compliance.
Customer Relationship & Service Excellence
1. Maintained strong relationships with clients, addressing their banking needs and resolving queries efficiently.
2. Promoted customer satisfaction through prompt service delivery and personalized banking solutions.
Team Supervision & Staff Development
1. Led and supervised branch staff, delegated responsibilities, and monitored performance to maintain service
standards.
2. Provided guidance, coaching, and training to staff to ensure continuous improvement and professional growth.
Business Development & Target Achievement
1. Identified opportunities for business growth including deposits, loans, and cross-selling of banking products.
2. Worked towards achieving branch targets related to revenue, customer acquisition, and portfolio quality.
Loan Processing & Credit Risk Assessment
1. Evaluated loan proposals, conducted credit assessments, and ensured proper documentation and risk mitigation.
2. Followed up on recovery of overdue loans and implemented measures for maintaining portfolio health.
Compliance & Reporting
1. Ensured adherence to internal control policies, NRB regulations, and audit requirements.
2. Prepared and submitted regular reports to the head office and regional office for review and analysis.
Branch Representation & Communication
1. Acted as the primary representative of the branch in community engagements and internal meetings.
2. Maintained communication between the branch, regional office, and corporate office for efficient coordination.

Client Relationship Management:
1. Develop and maintain strong relationships with existing and prospective clients to understand their credit needs.
2. Act as a primary point of contact for clients seeking credit facilities, ensuring timely and effective communication.
Credit Analysis and Evaluation:
1. Collect, verify, and analyze client financial data, business profiles, and creditworthiness.
2. Conduct thorough risk assessments and prepare credit appraisal reports for loan processing.
Loan Processing and Documentation:
1. Assist clients with loan applications and ensure all necessary documentation is collected and verified.
2. Coordinate with internal departments to process, approve, and disburse loans as per policy.
Portfolio Management:
1. Monitor and manage the assigned credit portfolio to ensure repayment schedules are followed.
2. Identify early warning signals and take proactive steps to mitigate credit risk.
Recovery and Follow-up:
1. Regularly follow up with clients for repayments, ensuring loan accounts remain in good standing.
2. Coordinate with the recovery team for overdue accounts.
Compliance and Reporting:
1. Ensure all credit activities comply with internal credit policies and regulatory guidelines.
2. Maintain accurate records and submit periodic reports to the credit manager or department head.
Market Intelligence and Business Growth:
1. Identify new business opportunities in the credit market by researching industry trends and client segments.
2. Support the bank in achieving credit growth targets while maintaining portfolio quality.

1. Teller (Cashier)
Role & Responsibility:
Handle day-to-day cash transactions, provide customer service at the counter, ensure accurate cash handling, maintain
transaction records, and assist in basic banking services such as deposits, withdrawals, and cheque processing.
2. Operation Incharge
Role & Responsibility:
Oversee branch operations including cash management, account handling, compliance monitoring, and administrative
support. Ensure smooth functioning of daily banking processes and adherence to regulatory guidelines.
3. Relationship Officer
Role & Responsibility:
Build and manage client relationships, assess credit needs, promote loan and deposit products, and ensure timely service
delivery. Support business growth while maintaining a quality portfolio and customer satisfaction.
Training/Certificates