Taranbir Singh Ratan

Ludhiana, India• Tel: + (91-946******* • Email: ad2805@r.postjobfree.com

Summary

Analytical and result-oriented professional with 10+ years of experience in the field of Mortgage/ Investment/Insurance/ Payroll/Taxation in Banking /Financial industry to wide range of clients outlining investment insights, potential risks.

Proven expertise in finance & investment with an in-depth understanding in identifying business opportunities managing financial operations,banking practices, financial products,risk mitigation & compliance regulations.

Proven experience in sustaining cordial relationships with customers for memorable & pleasant experience & ensuring 99% customer satisfaction rate by exceptional problem solving skill which in return gave positive increase in number of new customers by 37% which results in increase of total deposit by 29%,advances increased by 23% & overall profit increased by 26% in last financial year.

Self dedicated & ambitious banking professional who possess extensive knowledge of banking products & service procedure & With determination successfully completed tight dead lines by giving extra hours & to develop new skills by taking new challenges without fear of failure.

Good team player who is always there to help his co-workers when ever they are in need which helped me to be successfully promoted to Branch Incharge during my probation period was great achievement for me.

I am excited to bring my experience,qualification & skills to new role .

Work Experience

30/04/2013 to 20/12/2023, Assistant Manager/Officer(Scale-I),Punjab & Sind Bank, Ludhiana, India

Withmore than 10+ years of experience in Banking Industry handled almost every position at Branch level from tasks like withdrawals, deposits, transfers, money orders/Drafts, issuing of Fixed deposit,providing account information assisting customers and answering their questions they may have about the bank or their account which includes providing updates on accounts and balances and helping customers understand how to use banking services.

My previous achievements show case my skills to handle the customers efficiently by showcasing which product or service will be best for them so that our customers find what they need with absolutely no fuss or frustration.

Loan Officer-Assisting the customer throughout the application process,interviewing the loan applicant & reviewing the account statment like flow of fund,source of income,number of transactions,keeping eye on debit credit & caution in case of bounced cheque so that evaluate the customer.Moreover checking the Assets & Liability standing against his name before sanctioning / Rejecting the fresh loan based on customers networth,credit history or default & verifying the primary & collateral security is in favour of Bank for the safe guard of banks interest.

Credit Analyst -Evaluating potential of customers' credit history to determine the risk level & loaning them based on research, recommending,approving or denying an application by preparing reports, completing loan applications

Mortgage Advisor -What loans are best for particular customer based on their capability to repay the same depending on income,needs & circumstances,completing applications for clients, guiding them terms or conditions for Home Loans, Mortgage loan,Gold loan, Agriculture Loan,Personal Loan and maintaining records of when loan deals expire.

Investment & Tax Advisor -Advising customers on how to manage their money by assessing the individual's financial status & establishing financial solutions by develop a plan that helps them to meet their needs, motives, goals & finding ways to best manage their money using short-term and long-term investment to minimise the tax.

Recovery Agent /collector-Targeting the customers who are having overdue payments on bank accounts which involves reaching customers by phone or mail and helping them come up with a repayment so that their credit history doesn't effect.

Payroll & Taxation -My responsibility was to maintain the pension/ Salary accounts & pay accordingly in case any changes in pension reflects as per government guidelines & deduction of tax financially based on income earned by particular pension or salary persion .Moreover suggesting them how to minimise the tax by investing in govt securities.

Account Manager-Job responsibilities includes following compliance and government regulations, reporting suspicious activities, and adjusting accounting entries when errors occur. Opened new accounts and assisted with transactions as needed.

My greatest achievement' include: Giving a great presentation at work,Continuous Learning without fear of failure, Gaining new skills,Contributing in Organisation Success

Education

2008 Bachelor's in computer Application. IGNOU, Delhi,India

Relevant Skills

Technical Skills: MS OFFICE,MS EXCEL, MS WORD,payroll, financial statements & Reports,Post journal entries,Reconcile accounts, Mortgage Planner, Taxation,Investment planner,time management,risk management,cash management,technical support,due-deligence, compliance,,vendor/account managemenT,P&L, Cash Flow, Balance Sheet

Soft Skills:Communication,Leadership,Teamwork,Problem solving,Dedication,Willingness to learn, interpersonal-skill,Prioritising,Goal & Detail oriented with deadlines, independent worker

Languages: ENGLISH,HINDI,PUNJABI

Professional Certifications

Foreign Exchange Dealers Association Of India

Credit /Retail Lending

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