MEERA SUBRAMANIAM

** ****** **** *:

508-***-****

Shrewsbury MA 01545 acus6i@r.postjobfree.com C:

908-***-****

QUALIFICATIONS SUMMARY

Performance driven, insightful Analyst with a proven ability to achieve and

exceed all revenue and business development goals in high pressure

environments.

. Driven finance professional with demonstrated track record of maximizing

customer service opportunities and consistently exceeding performance

goals. Well versed in non-prime, government and had money products.

Demonstrated the ability to handle highly confidential personal and

professional and financial information in a sensitive manner.

PROFESSIONAL EXPERIENCE

AVIDIA BANK, Shrewsbury, MA 2012 -

2013

Assistant Manager

Managing Retail Branch

. Review process close and administer loan proposals

. Interview applicants and request specified information for loan

applications.

. Analyze applicant financial status, credit, property evaluation to

determine feasibility for granting loan and submit application to credit

analyst for verification and recommendation.

. Correspond with and interview the applicants to resolve application

information after pulling credit.

. Approve loans within specified limits or refer to the lending committee

for approval.

. Ensure loan agreements are complete and accurate according to policy.

. Maintain a database and monitor performance of loans

. Confer with underwriter to aid in resolving mortgage applications.

. Analyze potential loan markets to develop prospects for loans.

TD BANK, Sudbury, MA 2010 - 2013

Supervisor

Establishing & retaining customers.

. Submit applications to credit analysts for verification and

recommendations.

. Analyze applicant's financial status, credit, property evaluations to

determine feasibility of granting loans.

. Review loan agreements to ensure that they are complete and accurate

according to policy.

. Meet with applicants to obtain information for loan applications and to

answer questions about the process.

. Explain the customer the different types of loans and credit options

that are available, as well as the terms for those services.

. Coordinated with sales, processing to get required information for loan

closing.

MEERA SUBRAMANIAM H: 508-***-**** C: 908-***-****

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SUN NATIONAL BANK, Branchburg NJ

2007 - 2010

Personal Banker

Responsible for financial advice to customers.

. Work with clients to identify their financial goals and to find ways of

reaching those goals.

. Gathered data from customers and their employers and submitted completed

files to underwriting in a timely manner.

. Negotiate payment arrangements with customers who have delinquent loans.

. Analyze potential loan markets and develop referral networks to locate

prospects for loans.

. Managed the pipeline in the loan processor's absence. Resolved customer

service issues.

. Assisted team members in structuring loan scenarios for complex and

difficult mortgages.

. Coordinated with the cash management team to enable a smooth transition

for new clients.

. Partnered up with the commercial group and directly supported the team

in diverse facets over $4M, including meeting with clientele to execute

business deals.

Bank of America, Warren NJ

2001 - 2007

Personal Banker

Built a solid record of achievement through responsible financial advice to

customers.

. Contact applicants or creditors to resolve questions about applications

and assist with completion of the paperwork.

. Consistently exceeded production goals for new loans, deposits and fee

income. Recognized as an effective negotiator generating high levels of

loans and mortgages.

. Grew and managed high volumes of deposit accounts and over $2 million in

loan portfolio.

. Aggressively marketed and sold banking products with superior levels of

retention and loyalty.

. Originated loans and aggressively sold residential mortgages by

conducting cold calls to bring in business.

. Presented different loan features to clients to ensure product match and

collected data to complete applications.

GIBSON GREETINGS, Cincinnati, OH

1990 - 1996

Systems Analyst

Managed and was responsible for the financial systems of the company.

. Managed a team in the information systems area as a team leader, which

involved in structuring and negotiating transactions

. Consistently maintained 100% or better of established goals.

. Helped make decisions in the absence of the manager.

. Worked closely in designing the applications to help in efficiency for

the general ledger and the accounting department.

. Coordinate and lead both internal and external projects throughout the

implementation phase as well as the delivery of the product.

. Demonstrate adaptability and act with integrity. Focus on the customer

and build a strong working relationship with various clients and

internal departments.

. Oversee the technical and design development as a Team Lead for assigned

product, including project coordination and schedule management.

MEERA SUBRAMANIAM H: 508-***-**** C: 908-***-****

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EDUCATION AND CREDENTIALS

Pace University, White Plains, New York

Master in computer science and information systems (M.S), 1990

Mount Carmel College, Bangalore, India

Bachelor of Arts in Economics (B.A), 1986

Professional Licenses

Life insurance

Professional Training

Leadership & Team Building

Contact this candidate