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Branch Manager

Jersey City, New Jersey, United States
October 11, 2016

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Puneet Kaur Wahi

*** **. ***** ***, *** *T, Jersey City, New Jersey – 07306 +1-908-***-**** LinkedIn


State Bank of Mysore (Public Sector Bank), Bangalore Zone III Bangalore, India

Branch Manager Aug 2015 – Feb 2016 (7 Months)

Managed the branch with 12 employees, while focusing on expanding the client base and increasing the Profit, Advances & Deposits budget by more than 10% over the previous year.

Managed and monitored the financial performance of loans including receipts of payment, interest rate changes, covenant compliance, insurance coverage, inspection and cash flow to ensure health of the credit and proper use of funds. This resulted in a 75% decrease in loan defaults of the branch.

Processed loan applications including sanctioning of credit limits & disbursing of the limits after proper documentation thereby increasing the revenues of the bank by ~$5 million.

Promoted online products including mobile and internet banking, increasing the penetration rate for our branch from 20% to 45% and reducing the support cost by 20%.

Cross sold life & general insurance products, increasing the revenue of the bank by $ 1 million.

State Bank of Mysore, Corporate Accounts Branch Bangalore, India

Deputy Manager, Credit Analyst June 2012 – Aug 2015 (3 Years, 2 Months)

Managed the banks $600 million credit portfolio, servicing over 30 high profile companies helping them achieve their financial, legal and technical goals.

Prepared and processed new corporate credit proposals to the tune of $140 million in 2 years, analysed the balance sheet, profit & loss and cash flow statements, provided loan pricing recommendations, helped determine collateral value and identified the ability to perfect a security interest in the intended collateral, recommended repayment structure.

Performed debt syndication & distribution for projects in Commercial real estate & Lease Rental Discounting worth $60 million, prepared financing proposal, information memorandum which earned a fee income of $1.0 million to the branch.

State Bank of Mysore, Industrial Finance Branch Hyderabad, India

Assistant Manager, Foreign Exchange Department June 2009 – June 2012 (3 Years)

Developed the foreign exchange business and secured $2 million in Foreign Currency Non Residential Bank FCNR (B) deposits.

Submitted export credit proposals and supervised all export/import transactions to the tune of $ 40 million.

Opened Import Letters of Credit using SWIFT/ SFMS messaging system, Issued Bank Guarantees, Discounted bills under LCs in respect of borrowing constituents that led to an increase of the forex business by $15 million.

Prepared proposals for exploring exposure to off-credit/high risk and under caution countries for various accounts.

Ensured compliance with UCP600, URR, URC and other related regulations like OFAC, AML for reporting suspicious activity.

Wipro Technologies Limited Hyderabad, India

Senior Software Engineer Nov 2006 – May 2009 (2 Years, 6 Months)

Developed test plans, test cases and automation using C # and other software tools and frameworks for various client operating system features while working on Microsoft Windows Vista Operating System.

Designed an extensive clean up software resulting in 50% resource savings.


Investment Banking Institute New York City, NY

Intensive 4-week financial modeling and valuation training program August 2016

Performed company valuations utilizing comparable public company analysis, precedent transactions analysis and discounted cash flow (DCF) analysis.

Built fully-integrated financial statements projection model, LBO model, accretion/dilution merger models, including ability to run operational and capital structure sensitivities within models and data tables for sensitivity analysis.

Jawaharlal Nehru Technological University Hyderabad, India

Bachelors in Technology – Electronics & Communication Engineering 2002 - 2006

Secured 77.64% (~ 3.8 GPA). Graduated Summa Cum laude; always ranked among Top 3 in a class of 100 throughout the academic years.


Military Experience: National Cadet Corps, Cadet Corporal 2002 – 2005

oNCC ‘C’ Certificate Holder. Participated in various Annual Camps including Blood Donation, AIDS Awareness Rallies etc.

Professional Certifications

oCertified Associate of the Indian Institute of Bankers (CAIIB) from Indian Institute of Banking and Finance (IIBF).

oCertified Insurance Facilitator (CIF) of SBI Life.

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