Customer Service Risk Management

ADITYA KUMAR MISHRA

+1-667-***-**** • *************@*****.*** • 116 W University Pkwy Apt 605 Baltimore

CAREER ABRIDGEMENT

Highly committed and accomplished banking professional with extensive experience in loan processing, compliance, and customer service. Proven ability to manage complex loan transactions from setup to closing, ensuring accuracy and timely completion. Adept at building strong relationships with borrowers and stakeholders, ensuring high levels of customer satisfaction.

CORE COMPETENCY

Loan Processing and Management

Mortgage Settlement Coordination

Document Review and Verification

Customer Service and Relationship Building

Compliance and Risk Management

Financial Analysis and Reporting

Communication and Interpersonal Skills

Pipeline Management

PROFESSIONAL CONTOUR

State Bank of India

June 21 –Present

Deputy Manager

Process loans from setup to closing, ensuring organized and timely completion.

Coordinate mortgage settlements with borrowers, legal teams, and title companies.

Review document checklists to ensure completeness and accuracy.

Review title, legal, and settlement documents to ensure compliance with regulatory standards.

Build and maintain strong relationships with borrowers, delivering high levels of customer service.

Communicate effectively with transaction stakeholders to ensure smooth processing.

Maintain an individual pipeline of loans, managing each from initiation to closing.

State Bank of India

June 20-June 21

Deputy Manager

●Developed improved procedures of FCRA cell at the organization for efficient implementation of FCRA (Foreign Currency Regulation Act) regulations for receiving foreign donations and Grants by the NPOs. A total of 23000 NPOs were registered all across the country in the year 2021.

●Management of Grants and Contract of NPOs as per compliance, ensuring adherence to regulatory requirements, reviewing and analyzing foreign contribution transactions, liaising with regulatory authorities, conducting audits, and providing guidance to other staff on FCRA related matters.

●Ensuring EDD (Enhance due diligence) process, KYC documentation for the purpose of Receipt and Utilization of Grants such as those issued by local financial regulatory bodies.

●Assisted in development and monitoring of budgets, providing accurate financial forecasts and prepared financial reports of Receipt and Utilization of Grants.

●Participated in regular brainstorming sessions with the senior management team regarding strategic initiatives taken by the organization.

State Bank of India

May 18 May 20

Assistant Manager

Supervised retail segment asset products like Personal Loan, Auto loan, Home Loan and SME segment advances a portfolio.

Reviewed balance sheet and P&L statement, GST data, and other financial reports to ensure 100% accuracy for the appraisal of business segment advances.

Ensuring correct valuation and Title investigation report of mortgaged property to safeguard the bank interest while lending.

Managed a portfolio of 250+ high net-worth clients with 95% satisfaction rate.

Conducted risk management and compliance check with regulatory standards, reducing compliance issues by 30%.

Managed Monthly, Quarterly and annual closing along-with reconciliation of Ad-hoc BGL account on daily basis.

State Bank of India

Dec 12 Apr 18

Customer Relationship Officer

●Managing Retail segment asset product like Personal Loan, Auto loan, Home loan and achieving the 100% allocated budget yearly.

●Providing better experience to the customer by giving best service and maintaining relationship with customer.

●Handling of digital platforms and app based software and successfully popularizing it among the customer and reduce the footfall in the branch by 30%.

●Deep expertise in credit assessment and risk management to certify the achievement of the highest standards of credit analysis and decision making.

EDUCATION AND CERTIFICATIONS

M.B.A (Marketing & Finance) from Graphic Era University Dehradun

Achieved Certificate in Branding & Rural Marketing from Graphic Era University

Achieved Certificate of CAIIB (Certified Associate of Indian Institute of Banker) organized by IIBF

Secured Certificate in Commercial Credit (CICC) by Moody's Analytics

Awarded training certificate in Business Skill Development Programme by MSME Department Govt. of India

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