BHASKER KUMBALA

• Self-motivated, with a strong sense of personal responsibility.
• Excellent communication skills, both verbal and written.
• Proven ability to learn quickly and adapt to new situations.
• Skilled at working independently and collaboratively in a team environment.
• Build the Branch image of the Bank in souther parts of Tamilnadu
• Build the retail loan book for the bank

• Monitoring of Large borrowal accounts and identify the risk areas for immediate remedial actions.
• Identified potential risks by analyzing trends in industry-specific data and market fluctuations and apply to the exposures for effective monitoring
• Reduced credit risk by implementing comprehensive risk assessment strategies.
• Obtained and interpreted financial statements to assist in credit limit reviews.

• Coordinating with the branches for mobilisation of large and mid credit proposals, analyzing, assessing and preparation of sanction notes
• Pre & Post sanction follow-up and monitoring and compliance of credit accounts.
• Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
• Built and maintained relationships with new and existing clients while providing high level of expertise.
• Maintained knowledge on banking products and distribution to provide optimal service support.
• Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.

• Relationship Manager for Corporate Clients and Govt.Agencies
• Analysis of financial Statements of the cooperates/Govt. bodies, Assessment & Appraisal of credit limits in Consortium/Multiple banking Arrangements.
• Pre & Post sanction visits and securities verification.
• Adhering to the RBI guidelines and Bank's policy guidelines while assessing and sanctioning of credit fatuities to Corporate/Govt. Agencies.
• Coordinating with co-financiers/Lead Banks for effective monitoring and review of Large credits.
• Responded to customer inquiries and resolved complaints to establish trust and increase customer satisfaction.

• Effective branch banking by mobilising retail & whole sale banking business.
• Familiarizing the customer friendly banking products to the public at large and increase the business.
• Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
• Maintained friendly and professional customer interactions.
• Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
• Engaged employees in business processes with positive motivational techniques.

• Branch business development and increasing retail loan portfolio.
• Focus in lending to Priority sector i.e. Agri, MSME in the area.

• Credit appraisal,assessment and sanction at three locations

viz : Mumbai,Hyderabad and Chennai.

• Branch head at Balanagar,Hyderabad for a period of 2 years.

• Contributed significantly to company-wide initiatives focused on enhancing overall operational efficiency and profitability.
• Managed a team of trade forex specialists, ensuring accurate and timely execution of transactions.
• Provided timely and accurate reporting to senior management on key performance indicators related to trade forex operations, enabling informed decisionmaking.
• Negotiated favorable terms with service providers, resulting in reduced transaction costs for clients without compromising quality or speed of service delivery.