Experience

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  Axis bank

  Jun 2003 - Dec 2007

  Executive

  ● Responsible for the handling accounts for High net-worth Corporate Companies like HUDCO, ANSAL, BHEL, LIC (India). ● Coordinated with Vendor, IT and Retail branch business team to enhance the software to provide better service to customers for savings and transaction accounts (ACH, account analysis and reconciliation functions, wire and other deposit functions), CD’s, mortgages, personal loans, debit and credit cards. Involved in application, system testing at the end-user acceptance level.● Responsible for proper documentation in co-ordination with quality assurance team.● Manage Software Upgrade projects with IT and Branch with minimal business impact. ● Responsible to provide the Cash Management Services, Portfolio Investment Services. Show less

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  Icici bank ltd

  Dec 2007 - Jun 2009

  Assistant manager

  Key Result Areas: ● Collaborated with team to provide branch Audits (including SOX Audit, IAD Audit, RRM Audit) and preparing Profit & Loss, compliance reports on monthly or daily basis.● Lead a team to provide Customer satisfaction including new acquisitions, retaining old customer and handling complaints.● Responsible for the Safe Deposit operations including new, renewing and collection of rent.● Responsible for the Corporate and Bank Salary and reimbursement uploads and postings.● Lead a team responsible for achieving the branch targets in Current and Saving Account, fee income by cross selling.● Awarded for achieving individual and branch targets for bank revenue and Life Insurance Business. ● Managed a Project with Vendor and Business to implement the SOX Audit and involved in different phases of Development and designing Lifecycle. Show less

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  Idbi bank

  Feb 2011 - Mar 2013

  Manager credit

  Credit Management (Asset based Lending):● Responsible for Handling Agriculture loans, Small & medium Corporate loans and Retail/ consumer lending. ● Lead a team of DET(s) (Data Entry Tech) and collaborated with Senior Executive Team to enhance the reporting to handle the high value credit decisions in specified time constraints.● Authority to sanction loan(s) to an amount of Rs.1 Million (equivalent to $20,000)● Collaborated with team on credit monitoring and control, credit scoring and evaluating credit limits (collateral evaluation), credit risk analysis.● Appraising, Auditing (internal and external), Renewing, Refinancing of the loans and coordinating with Underwriters and client.● Analyze the Non-Performing Assets of the bank and handled interest collection and write-offs.● Responsible to analyze the financial statement balance sheet, Profit and Loss, cash flow, variance analysis for past, present and forecasted figures.● Responsible for handling both asset and liabilities business of the branch. Show less

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  Lake sunapee bank, a division of bar harbor bank & trust

  Nov 2016 - May 2017

  Csr ii
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  Bar harbor bank & trust

  May 2017 - May 2020

  Credit analyst

  • Underwriting new commercial lending/credit (CREM – residential investment and C&I – working capital line of credit, term loans) deals for lenders. Risk profiling and loan pricing based on Bank internal credit policy and Industry risk profiling.• Performing annual reviews and line renewals for existing relationships. Risk evaluation and profiling based on Bank internal credit policy and Industry performance.• Underwriting for work out /criticized asset loans.

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  Jack henry & associates

  Jun 2020 - now

  Senior technical business analyst

  . Financial spreads migration. . Domain Experience- Lending/Credit, Digital Account Opening (Deposits). Writing functional, technical and business requirements. Testing using Postman. Documentation for user guides.. Debugging, gap analysis and troubleshooting.