Commercial Banking - Credit Banking - Bank Operations, Finance & Accounting

SUSHMA D

A competent professional with significant functional experience in the realm of banking and financing, striving to be a key player in setting & achieving organizational objectives in large financial/ banking organization.

Credit Portfolio Accounting MIS/Documentation Bank Reconciliation Budgeting/Strategizing Team Handling Branch Operation Client Management Query Handling Financial Reporting Vendor Management Cost Reduction

. An astute performer with proven expertise in devising and effectuating policies aimed at ensuring smooth running of operations and execution of Credit and Commercial Banking Operations. . Currently designated as Branch Manager with Adarsh Credit Co-operative Society Ltd. . Skilled in steering proactive engagements to ensure high client satisfaction and a strong understanding of operational excellence. . Extensive experience in branch banking operations, accounting, policy implementation, and reconciliation across assignments. . Insightful exposure to various facets of computerized accounting, vouching, preparation of MIS Reports, looking after receipts. . Possess excellent communication skills that have been honed through interacting with people at various levels. . A stickler for quality, team builder to the core and a natural motivator with perseverance and integrity. . Strong planning and execution skills along with a systematic approach.

CAREER PATH

Adarsh Credit Co-operative Society Ltd. Oct 2011 to Till Date Branch Manager Poornima Cotton Trading Company Jan 2008 to May 2011 Senior Account Assistant Patricks Computer Training Institute Feb 2005 to Nov 2007 Administrative Assistant & Lab Co-ordinator

KEY ACCOMPLISHMENTS

. Implemented time management and work flow techniques resulting in effective working of subordinates and timely completion of tasks. . Introduced processes to reduce paper work and consolidation of various registers and services.

ROLES AND RESPONSIBILITIES

Bank Operations:

 Adept at financial reporting of the weekly and monthly business to higher authorities.  Indulged in regular monitoring of investments with status reports on a periodic basis.  Hands on experience in effectively managing the general banking operations in branch.  Undertook credit appraisal of loan applications.  Adept at handling end to end branch operations.  Ensuring the Society's policies and procedures are followed according to established guidelines and make recommendations for improvement.  Networking to develop business relations to promote business.  Preparation of daily, weekly, monthly financial and branch progress, reconciliation reports.  Supervising all data processing activities at the bank which includes record keeping, check processing and book keeping that is performed on computers.  Supervised and trained new employees.  Handled the tasks of recruiting and training new branches.  Suggesting investment and saving options to clients as per their requirement and capacity.  Coordinating with the marketing manager to understand the new investment schemes and plans.  Successfully opened five hundred new accounts.

Team Management:

 Identifying and appointing agents, and training them in product knowledge and sales skills.  Leading, training and motivating teams ensuring their career development leading to positive contribution to the performance of the company.

Client Relationship Management:

 Building and maintaining healthy relations with clients, ensuring maximum customer satisfaction for referral business.  Interact directly with customers to analyze requirements and customize products to suit needs.  Responsible for doing KYC norms for new acquisitions.  Pivotal in providing excellent regular customer service like attending & resolving their general/specific queries.

Account and Vendor Management:

 Reconciliation of Bank Statements and Balance Sheets.  Filing TDS, IT Returns, VAT and CST.  Handling Petty Cash Statements, Profit and Loss Account, Branch Expenditure Accounts and Balance Sheet.  Indulged in end to end vendor management for new purchases, sales & services.  Handling purchase & sales inventory, warehouse management.

ACADEMIC CREDENTIALS

Master of Business Administration SM University 79%

Bachelor of Computer Science Acharya Nagarjuna University 86%

Diploma in Information Technology Manipal University 92%

PROFICIENCY AWARDS  Best student of the year, SMG degree college 2002 and won Scholarship for all 3 years.  College topper during graduation, SMG degree college.  Student of the year – Academics, Vignan High school.

COMPUTER PROFICIENCY:

Languages : C, C++, SQL, PL/SQL ERP Package : SAP FICO DBMS Packages : Oracle 9i/10g, MSACCESS Operating Systems : MS DOS, Windows XP, 2003, 7. Other Packages : Tally 7.2/9.0, Microsoft office 2003/2007.

STRENGTHS:

 Ability to handle the responsibilities and tasks handed over to me and work towards being more result - oriented than just target - oriented.  An enthusiastic learner of new technologies.  Comprehensive problem solving abilities.  Good communication skills.  Comprehensive problem solving abilities.

PERSONAL VITAE

Date of Birth: 2 June 1982 Languages Known: English, Telugu and Kannada Address: Jayanagar, Bangalore.