Tanuja Siddheshwar

• Worked as a Team leader and handled a team of 10 people in the branch.
• Direct all operational aspects & decision making at all important parameters.
• Develop daily forecasts, financial objectives and business plans.
• Meet goals and metrics.
• Manage budget and allocate funds appropriately.
• Bring out the best of branch’s personnel by providing training, coaching, development and motivation.
• Locate areas of improvement and propose corrective actions that meet challenges and leverage growth opportunities.
• Share knowledge with other staff on effective practices, competitive intelligence, business opportunities and needs.
• Adhere to high ethical standards, and comply with all regulations/applicable laws.
• Network to improve the presence and reputation of the branch and institution.

Highlights: -

• Credit execution

• Conversion prospective to customers

• Forecasting & execution

• Managing budget & financials

• Compliance

• Decision making

• Risk analysis & management

• Loan sanctions & disbursements

• Policy empanelment

• Actively engaged in Retail, Agri & MSME business canvassing keeping in concern with the RAM parameters on target products and executing the proper product sales in particular area.
• Canvassing timely CASA & term deposit and maintaining the Asset liability balance of the branch.
• Lead staff of over 10 personnel by implementing training, engaging in proactive problem solving and ensuring all compliances & actively encouraging digitalization of all the products.
• Supervise staff in operations such as customer service, financial operations, and other bank functions.
• Reduced branch expenses by revamping supply ordering system and improving resource allocation.
• Accountable for day-to-day operations of branch.
• Strong monitoring of the SMA & NPA A/cs and focused on keeping the Branch NIL NPA.
• Targeting all Government schemes i.e., social security schemes, Deposit schemes and Advances.
• Bancassurance business with the tie up firms of the Bank.
• Ensuring audit regulations and timely closure if audits with compliances.

Highlights: -

•Staff evaluations

•Financial analysis

•Business operations

•Risk mitigation strategies

•Banking products and services

•Analytical skills

•Customer service

• Carry out credit analysis on requests of customers with entire application process till closure of loan process in Retail, MSME, AGRI, Bank Guarantees.
• Interpret & execute documentation to make appropriate decisions.
• Recommend loan approvals or denials as well as limits.
• Monitor daily credit operations and mentor junior officers.
• Continually update regulatory and banking knowledge through training.
• Determined rate locks, issuance of disclosures, and overage, underage, and fee waivers.
• Completed detailed financial analysis of individuals and companies.
• Ensuring completion of Compliance on every proposal with proper record.
• Evaluated applicants’ financial status credit and property evaluation to determine loan feasibility via Inspections, Networth via detailed financial analysis of individuals and companies etc.
• Constant follow ups of SMA & NPA A/cs.

Highlights: -

• Credit monitoring

• Research

• Forecasting

• Reporting and analysis

• Compliance

• Banking background

• Deposit and credit understanding

• Risk management

• Loan documentation

• Policy review

• Worked directly with an average of 300 customers per week to oversee account management and troubleshoot any problems that occurred.
• Opened 250 new various types of accounts for customers, including checking, savings, business, and CD accounts.
• Partnered with customers individually to help them get the most out of their accounts and understand the features offered.