Maria Meltan

Experience

• 

  Angel Broking

  Jul 2010 - Sept 2012

  Order Entry Specialist

  1. Monitoring commodity market scrips and informing the clients2. Placing orders in commodity market as per the request of the clients

• 

  INDIAN OVERSEAS BANK

  Oct 2012 - now

  1. Analysis of Financial statements of the prospective borrowers to assess the financial credibility of the clients.2. Working capital assessment in the form of Export packing credit, Post shipment credit and Cash Credit. Assessment of Standalone Term Loans.3. Computing liquidity ratios, leverage ratios, profitability ratios to ascertain financial requirements and repayment capacity of the firm.4. MSME financing.5. Appraisal of Prospective loan proposals and submitting to competent authority for sanction.6. Retail credit processing by adhering to the bank’s loan document policy. 7. Unit inspection of the firms and companies to monitor the day to day performance.8. Quick decision making and problem solving are main challenges faced and countered with ease.9. Risk analysis of the firm with regard to market change and market competition.10. Analysis of CIBIL reports of the clients to understand the borrower's delinquency in past credits.11. Cross selling Insurance, Mutual funds, Sovereign Gold bonds are the additional roles played and not to mis-sell any product during cross selling.12. As a floor incharge of the branch, took the responsibility of timely delivery of services to the clients.13. Managed/Trained my assistants to solve problems related to operations thus mitigating operational risk.Achievements: During my assignment as retail credit officer, we have surpassed the year’s retail target by doubling the retail credit portfolio. During this period I've processed more than 300 retail loans for about 30 crore business. Show less 1. Worked with Lead District Manager, controlling the branches in Kanniyakumari District and maintaining database of the district with regard to credit portfolio and Govt. Schemes implementation.2. Grievance redressal received from bank customers via PM Cell, CM Cell and District Collector.3. Organised District Consultative Committee meeting presided by District Collector along with RBI Official, Bankers and all other Govt Department officials to review bank's performance every month.4. Drafted mails addressed to various Govt. Departments regarding schemes of Govt. and their implementation percentage by banks.5. Worked in Regional office and guided branches for recovery of bad loans.6. Part of recovery team and visited many borrowers personally and recovered bad loans.7. Assisted in preparing Annual Credit Plan for Kannyakumari District during the F/Y 2015-16 Show less 1. As a first full time employee, I took full responsibilities on my role and delivered the same to the satisfaction of my supervisor and customer.2. Across the counter I adhered to my time frame and serviced more than 100 clients every single day.3. During my assignment as cashier, I managed to tally cash every day and maintained cash balance well within cash retention limit of branch.4. Assisted my manager in unit inspection and completed documentation with regard to the same.5. Processed pension loans and education loans with complete documentation as per bank's policy.6. Worked in manual clearing house operations. Show less

  • Internal Auditor

    Aug 2024 - now

  • Manager

    Oct 2020 - Nov 2024

  • Assistant Manager

    Nov 2016 - Oct 2020

  • Administrative Clerk

    Nov 2014 - Nov 2016

  • Accounting Clerk

    Oct 2012 - Oct 2014