Manager Account

RESUME

SUBHADIP ROY

Address: Axis BANK LTD.

Jalpaiguri Branch, Rupasree Complex, D.B.C Road, Jalpaiguri

West Bengal- 735101, India. Email: acs59v@r.postjobfree.com, acs59v@r.postjobfree.com

Contact No: 959-***-****

PROFESSIONAL PROFILE:

Manager at Axis bank Ltd at Credit Department With 6.5 years of Banking Experience.

Present Organization: April 2014 – Till Date

Company Name Axis Bank Ltd

Designation Relationship Manager, Rural Lending (Darjeeling, Jalpaiguri, Cooch

Behar, Alipurduar Districts of West Bengal)

Professional Duties:

Sourcing and Processing of new loan proposals of “Cash Credit” loan to business holders and Agriculture and Horticulture loan.

Analyzing creditworthiness of the customer by visiting location and through market feedback.

Proper knowledge of KYC study, CIBIL, Balance Sheet, IT return file, VAT return, Cash Flow statement analysis, account statement analysis, scale of finance study etc.

Good knowledge of “SARFAESI Act”, Equitable Mortgage creation and Charge creation process.

Proper knowledge Securitization process for mortgage of immovable property which include Property Deed, Khatian, Khajna, Property Mutation, Municipality Tax, Site plan and Building Plan documents.

Processing of loan proposals against liquid security like LIC, Bank FD etc.

Insurance coverage of the property as well as life coverage of the borrower.

Documentation of loan proposals after sanction like preparation of Mortgage agreement, D.P Note,D.P delivery note,E.M document, undertaking from borrower

Renewal of existing loan accounts, handling customer queries of the loan accounts and closure of standard loan accounts.

Sourcing other cross sell products like Savings account, Current account, Personal loan, Car Loan, Home Loan and Loan against property proposals.

Previous Organization: August 2009 – April 2014

Company Name ICICI Bank Ltd

Designation Deputy Branch Manager (Colaba branch,MUMBAI)

Professional Duties:

Branch operation Manager (Deputy Branch Manager) in Deputy Manager grade for two years at Colaba branch, Mumbai and handled team of five members.

Product Handled-

Savings Account – Sourcing SA proposals and cross sell products like LI,GI,MF thorough strong relationship with customers.

All kind of CASH and non cash queries and NEFT/RTGS,OD against FD, Death Claim settlement along with souring of savings account and funding .

Current account – Sourcing new Current account, servicing and maintaining strong relationship with customers.

Handle all kind of regular queries for all CA variant like Individual, Sole proprietor, Partnership, Pvt Ltd Firm, Limited company.

NRI account – Sourcing NRI accounts and servicing NRI clients and generating leads for cross sell products like LI,GI products etc.

Forex - Exchange of foreign currency, Issuance of Travel Card, Outward remittance.

Loan / asset Product - Handle service related queries to all kind of retails loans like Home loan, auto loan, and Personal loan.

- Top Up loan.

- Part Payment.

- Switching of interest mode.

- Change of EMI tenure/ amount

- Balance Transfer.

- Closure of loan.

Audit and Compliance -

-Monitor all kind of office account entries daily basis.

-Handle all kind of compliance related issues of savings and current and NRI account queries handled at retail branch.

-Handle compliance issues of forex transactions at a branch.

-Monitor periodic verification all kind of deliverable and security items like I-kit, DD, FD stationary etc. in a branch.

-Monitor regular updating all security registers.

-Handle vault/key custodian.

AMFI certified.

Good communication with effective leadership skills and strong analytical, problem solving abilities.

EDUCATIONAL BACKGROUND:

Year

Degree / Certificate

Institute / School, City

Percentage

2015

JAIIB

IIBF (Indian Institute of banking and finance)

PASS

2009

PGDB (Post graduate diploma in Banking)

Manipal University

69.0%

2008

M.Sc (Agriculture)

G.B.P.U.A & T (G B Pant University of agriculture and Technology, Pantnagar)

81.9%

2006

B.Sc (Agriculture)

U.B.K.V (Uttarbanga Krishi Vishwa Vidyalaya)

82.5%

2002

Intermediate (10+2)

W.B.C.H.S.E (West Bengal Council Of Higher Secondary Education)

75.5%

2000

Matriculation

W.B.B.S.E (West Bengal Board of Secondary Education)

77.25%

EXPERIENCE:

1. Organization- Axis Bank Ltd (Jalpaiguri,West Bengal)

Designation- Manager (Relationship Manager, Rural Lending)

Department- Credit Department, Retail Banking

Time-Period- 11.04.2014 to till date (1 Yr 9 months)

Current Salary- 7,20,000/- per annum (approx)

2. Organization- ICICI Bank Ltd (Colaba Branch, Mumbai)

Designation- Deputy Branch Manager

Department-Retail Branch Banking.

Time-Period- 18-08-2009 to 08.04.2014 (4 Yrs and 8 Months)

Current Salary- 6,00,000/- per annum

AWARDS AND ACHIEVEMENTS:

1.JRF (Junior Research Qualified), All India Rank 26.

2.Merit Scholarship holder in B.Sc and M.Sc.

PERSONAL DETAILS:

Father Name : Mr. Tarun Roy

DOB : 22/06/1984

Language Known : English, Hindi & Bengali (read and write)

Nationality : Indian

Permanent Address : 55/2/2 Thakur Ramkrishna Lane, P.O- Santragachi, Dist-Howrah, (West

Bengal, Pin-711104)

Marital Status : Married

I hope my resume will suit your needs, if you give me a chance to serve for your organization, I will do my duties to the entire satisfaction of my superiors at all times.

Place: West Bengal

Date: SUBHADIP ROY

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