MITHALI K ANCHAN
Mangalore
Summary
A passionate, diligent and detail oriented banking professional with 9+ years experience in providing excellent customer service and handling of branch operations,well-versed in reviewing financial documents and credit appraisals, underwriting processes, and credit disbursements. Ability to handle multiple tasks with a high degree of accuracy
Overview
10
10
years of professional experience
1
1
Certification
Work History
Operations and Credit Officer
Bharat Co-operative Bank (Mumbai) Ltd
03.2015 - Current
- Handling operational aspects such as scrutiny of KYC of existing and new customer.
- Conduct KYC analysis in order to ensure effective KYC program by following appropriate procedure and effective implementation
- Analyzing risk profiles in accordance with policies and procedures
- Perform due diligence on high and medium risk customers
- Monitoring account transactions of customers for signs of fraud and reporting suspicious financial activities
- Interview credit applicants by telephone or in person to obtain personal and financial data to complete credit report.
- Motivate and encourage staff to enhance productivity in the workplace
- Mentor junior staff members in best practices related to credit analysis, instilling a culture of accuracy and diligence within the team.
- Update client accounts with new information and verified data for informed credit approvals.
- Assess and evaluate creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks
- Investigate and evaluate customers for creditworthiness and potential risk factors
- Proper verification of documents submitted by the borrowers
- Processing the file i.e., preparing Credit appraisal report, banking and financial analysis and to analyze the risk associated with it
- Responsible for application process from login to disbursement, preparing sanction letters and loan documents and renewal of cash credit and overdraft accounts
- Analyze applicants' financial status and credit and property evaluations to determine loan feasibility
- Keep records of customers' charges and payments
- Coaching and mentoring new team members on procedures, software and products as well as performing quality checks on completed work and giving the appropriate feedback
- Ensure smooth day to day functioning of branch activities i.e., NEFT/RTGS, Fixed Deposit, Cash Management, Withdrawals and Deposits authorization
- Handling queries of Savings and Current Account holders and providing seamless service experience
- Liaising with Clearing house for inward and outward clearing of cheque
- Customer relationship management,, enhancing goodwill and increasing customer loyalty
- Operate in compliance with laws and regulations and adhere to lending compliance along with complying with KYC audit queries and Loan audit queries raised and conducting due diligence of the accounts
- Ensuring timely completion of various monthly, quarterly, half yearly and yearly statements, Audit reports as per audit guidelines and regulations laid down by RBI
- Loan recovery follow up and timely sending of notices to the borrowers as per the credit policy and to take adequate steps to recover loan overdue on time
- Handling locker operations and debit card applications
- Handling customer queries of banking apps, UPI and debit card
Student Relations Executive
T.I.M.E Time Institute Of Management Entrance
07.2014 - 02.2015
- Prepare enquiry enrollment report on monthly basis
- Prepare fee collection report on weekly basis
- Students follow up for payment
- Co-ordinate with the students as well as the academic manager regarding the course structure as well as the class schedules
Education
MBA - Finance
Aloysius Institute Of Management And I.T.
Mangalore, India08.2013
Bachelors of Commerce -
St. Aloysius College
Mangalore05.2011
PUC - Commerce
St. Aloysius College
Mangalore05.2008
SSLC -
St. Agnes School
Mangalore05.2006
Skills
- Credit Monitoring and Reporting
- Loan processing and Documentation
- Customer Relationship Management
- Audit Compliance
- Excellent verbal and written communication
- Finacle Software
- Administrative Management and Trainee Mentoring
- Customer handling
- Documentation Management
- Retail Banking
- Credit due diligence
- Problem solving
Certification
- E-office
- Post Graduate Diploma in Investment Management
Timeline
Operations and Credit Officer
Bharat Co-operative Bank (Mumbai) Ltd
03.2015 - Current
Student Relations Executive
T.I.M.E Time Institute Of Management Entrance
07.2014 - 02.2015
MBA - Finance
Aloysius Institute Of Management And I.T.
Bachelors of Commerce -
St. Aloysius College
PUC - Commerce
St. Aloysius College
SSLC -
St. Agnes School
- E-office
- Post Graduate Diploma in Investment Management
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