NEENU JOSEPH

Banking Professional [MBA, JAIIB, CAIIB]

Permanent Address: 50/1400 A, Thottan House, Jawahar Road

Poonithura PO,Petta, Kochi - 682038, Ernakulam District, Kerala, India

UAE Address : Flat no.7, 19th Building, 21st street, Asharej, Al Ain-15551

+91-999-***-**** adbqlo@r.postjobfree.com

Emirates ID number: 094682233

MBA qualified and accomplished Banking Professional with over thirteen years’ successful experience working for a major Indian bank. Worked through the management system in roles including Retail Banking, Administration, Organisational Management, Relationship Management, Credit Management and Trade Finance Management.

Strong analytical thinker, constructive problem solver and an excellent communicator. Experienced professional with high sense of discretion and confidentiality, excellent time management skills and ability to multi task while working within deadlines and time constrains. Build, lead and manage high-performing teams who drive strategic financial goals that optimise efficiency and maximise profit potential.

KEY AREAS OF EXPERTISE

Banking Operations Finance Administration Account Management Branch/Office Management People Management Administration and Organisational Skills Team Leadership Interpersonal and Professional Communication Customer Relationship Management Customer Service Compliance Monitoring Audit and Legal Compliance Privacy Compliance Staff Training and Appraisal Staff Motivation and Coordination Retail and Corporate (SME) Banking Cash Management Loan Appraisal Financial Analysis Loan Documentation and Compliance Loan Recovery Trade Finance Operations Inter-Departmental Communication and Coordination

KEY COMPETENCIES

Organisation: Excellent planning, organisational and resource management abilities

Administration: Highly detailed with ability to prioritize simultaneous responsibilities

Communication: Confident, Articulate and Persuasive communicator and Negotiator

Interpersonal: Sound interpersonal attributes skilfully building rapport effectively at all levels

Performance: Achieve challenging personal objectives and organisational targets and work to tight deadlines

Leadership: Inspirational Manager and leader with a passion for transformational improvements

Financial: Skills including financial statement analysis and appraisal

Languages: Fluent English, Malayalam and Hindi with conversational Tamil

IT: Microsoft Word and Excel

Application: Finacle Core Banking Solution

CAREER HISTORY

The South Indian Bank Ltd, India:

The South Indian Bank Limited is a major private sector bank headquartered at Thrissur in Kerala, India. South Indian Bank has 852 branches, 4 service branches and 56 external counters. It has a revenue of US$ 910 Million and over 7600 employees.

Credit Manager/Relationship Manager/Administration Manager May 2018 – Present

To build relationships with clients based on trust and value; Take responsibility to increase client base by identifying potential customers; Develop and deepen contacts and relationship with existing priority customers; Evaluate complaints and manage conflict; Meet with new and existing corporate / retail clients and provide advice on credit facilities and trade finance facilities that are most suited to their requirements;

Responsible for Account Management and processing of corporate and retail loans for high value customers of the branch; In charge of detailed credit analysis, preparation of credit appraisal, scoring calculation and ratio analysis of the clients financials to assess feasibility of extending bank funding in accordance with the Corporate Credit policy of the bank; Ensure loan documentation is completed and executed as per Bank's guidelines and pre- disbursement and post- disbursement compliance in the loan accounts is secured.

In charge of supervising operations and personnel within the office; Orchestrate work according to team member attributes; Mentor and motivate team to work in a focussed manner to achieve individual and team targets;

Achievements:

Pivotal role in assessing, appraising, evaluating and scrutinizing financials and necessary documents for all loan proposals.

● Successfully evaluated landed properties, buildings and stock kept as security for the credit facilities availed to clients as per Bank guidelines

Successful in mobilising loan portfolio amounting to INR 270 million during the financial year (2018-2019)

Branch Head/ Administration Head of Branch Apr 2014 – Apr 2018

In charge Bank Branch operations, management and; Customer Relations; Profit Generation; Account Management; Retail Banking Operations Management; Loan / Credit Processing; Business Development of the Branch; Customer Relations; recovery of bad debts and identification of accounts that may turn bad; taking remedial measures to prevent investments where necessary.

Headed the Branch Level Customer Service Committee, responsible for conducting review meetings for enriching customer experience and redressing customer concerns; Serve as single point of contact for resolving conflicts and complaints at the office in the most amicable manner.

As the branch and team lead, responsible for motivating, training, supervising and appraising the staff members; Preparing staff work schedules and working to improve overall staff productivity; Tracking and sanctioning leaves and managing optimum staff levels to ensure smooth functioning of the branch; Serve as liaison between senior management, customers and colleagues to streamline flow of information; Conduct weekly meetings regarding ongoing proposals, customer concerns and work related matters to ensure adequate appropriation of time and talent;

Achievements:

●Achieved first position for an MSME loan campaign held during the period of September 2017-March 2018

●Successfully attained top position in Pan India MSME loan category for February 2018 by mobilizing loans amounting to INR 240 million.

●Successfully mobilized and processed loans amounting to INR 330 million during the financial year 2017-18

●Successfully mobilized NRE deposits amounting to INR 80million during the financial year 2016-17.

●Could successfully achieve 6 out of the total 9 parameters set for appraising branch's annual performance for the financial year 2016-17.

●Conducted Training sessions at the Staff Training College of the bank for Export Finance.

●Involved in continuous training and mentoring of staff at the branch being headed, including training and appraisal of new joinees.

●Qualifier for Life Insurance contest held for branches in 2014.

●In charge of issuing Bank Guarantees, Counter Bank Guarantees and Letters of Credit.

Manager (Administration) & Credit Officer Apr 2012 – Apr 2014

Managed administration of the branch including training and management of staff; In-charge for work allocation for staff and general housekeeping of the branch premises; Took charge of customer relations and customer service of the branch; Ensured Audit compliance at the branch; Ensured compliance of Statutory norms at the branch; Assisted Branch to manage conflicts and customer complaints and provide solutions within the norms of the Bank.

Managed renewal of loan accounts and followed up with parties to ensure timely submission of required documents; Oversaw opening and renewal of Gold loans and documentation renewal; Completing loan documentation and opening of loan accounts for new loans once sanctioned; Followed up with loan customers for providing professional servicing of all loan accounts.

Assistant Manager & Trade Finance Officer Apr 2010 – Apr 2012

In charge of FOREX and SWIFT related activities in the branch; Covering and purchasing export bills and lodging export bills on a collection basis as well as ensuring a timely follow up and realisation of export bills by corresponding with reimbursing Bank; Sent foreign outward TT as per requirements of customers and track and credit inward TT received by branch; Issuing foreign demand drafts and foreign import LCs and clearing import bills; Underwent Forex training and successfully implemented Forex Desk Operations at the branch during up gradation of the branch as “B-Category Branch” wherein branch becomes licensed to undertake forex transactions at its counter.

Took charge of role as retail banking advisor and administration officer, serving as the point of contact of the branch for sales, customer service, NRI service, credit, bancassurance and other daily branch operations to provide the highest level of personalised service to retail client customers; Assisted the manager in preparing loan documentation and opening of loan accounts and also completing legal compliances for disbursal of loans;

Took responsibility as cash officer, in charge of all cash and ATM transactions; Assisted manager in administration, Customer Relations and management of the branch.

Assistant Manager Retail Banking, Various Branches Dec 2007 – Apr 2010

Managed Retail Banking operations related to deposits and savings for customers; Managed front office customer relations and queries; Responsible for cash and ATM management; Approving cash receipts/ withdrawals/ petty cash; Issuing Demand Drafts and Deposit Receipts; Responsible for keeping track of and maintaining custody of security inventory, cash, safe deposit locker master key and strong room keys; Receiving, replying, prioritizing and sorting all mails, letters and correspondences; Timely KYC update and AML monitoring.

Trainee Officer, Various Branches Dec 2005 – Nov 2007

Active training period with exposure to a variety of branches and retail banking operations; Handled cash receipts, cash withdrawals and petty cash; Met daily banking needs of customers like fund transfer, issue/clearance of cheques/Demand Drafts, opening of deposits and savings accounts, issuing ATM cards and cheque books, customer complaint redressal etc.

Responsible for implementing Core Banking Solutions in the branch assigned during training and for training Branch staff in Core Banking applications.

ACADEMIC HISTORY

MBA – International Business, The ICFAI University (2011 – 2013)

Advanced Diploma in Management, The ICFAI University (2008 – 2011)

BSc, Bio-Chemistry, Genetics & Bio-Technology, Garden City College, University of Bangalore (2002 – 2005)

CERTIFICATES

JAIIB – Junior Associate of the Indian Institute of Bankers, (IIBF) Indian Institute of Banking and Finance (2011)

CAIIB – Certified Associate of the Indian Institute of Bankers, Indian Institute of Banking and Finance (2012)

Foreign Exchange Facilities for Individuals, Indian Institute of Banking and Finance (2016)

Certificate in Trade Finance, Indian Institute of Banking and Finance (2017)

PROFESSIONAL MEMBERSHIPS

Indian Institute of Banking and Finance (2006)

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