Customer Service Objective

JYOTSNA JOSEPH

*** *. **** **. **** and Belvidere, Richmond, Virginia 23220

Phone No: 804-***-**** Email: **************@*****.***

Objective

To attain a challenging position in finance where I can contribute exceptional analytical strengths, outstanding problem solving skills and an exemplary work ethic towards supporting the employer in achieving objectives while growing professionally.

Skills/Technical Proficiencies

• Good interpersonal communication skills

• Microsoft Office : Word, Excel, PowerPoint

• Analytical and problem solving skills

• Ability to work independently

• Exposure to credit risk analysis

• Analytical and Critical thinking

• Knowledge in financial data analysis

• Effective team player and interpersonal savvy

• Good customer service skills

• Self-directed, detail oriented and multi tasked

Professional Experience

Intern at Banking Industry February 2013- May 2013

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money

• Responsible for communicating with customers regarding new operations procedures and policies.

• Perform credit risk analysis, analyze interbank credit terms and policies and customer adherence to terms and policies

• Prepare reports that include the degree of risk involved in extending credit or lending money

• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history and purchase activity

Intern at Steel Industry February 2012 - May 2012

• Participates in multiple projects throughout Internship period

• Supervising and managing the employee shifts and handling contingencies

• Ensures business needs are being met while managing and communicating division objectives to senior leaderships and business partners

• Assist in monitoring overall customer satisfaction and the employee performance.

• Promotes and supports company policies, procedures, mission, values, standards of ethics and integrity

Research Studies

• An Analysis on the performance and effectiveness of Internal control System in Banks

The study was conducted to determine the impact of internal control over banks, and to evaluate the effect of various elements including the audit processes in the internal control system.

• An Analysis and Understanding of Non-Performing Assets (NPA)

The study was conducted with the basic objective to identify reasons that lead to the creation of NPA’s and why Banks and other Financial Institutions were facing the problem of swelling NPAs even after the Sarfaesi Act 2002 came into effect.

Educational Qualifications

• Master of Science in Business (Finance), expected May 2014, Virginia Commonwealth University, Richmond, VA

• Bachelor of Commerce (2009-2012) GPA 3.5

References Available upon Request

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