DEEPTHI DOMINIC

adciur@r.postjobfree.com 437-***-**** Patrice Crescent, Thornhill, ON linkedin.com/in/deepthi-dominic Authorized to work in Canada and available to start immediately PROFESSIONAL SUMMARY

An astute professional with 7.8 years experience in Retail Banking, Client Relationship Management, Retail Liabilities

& Assets/Mortgage Operations and Credit Underwriting. Adept at performing banking operations and other financial services, while efficiently managing a team and coordinating with various branches and the head office. With strong interpersonal and communication skills, proficient in handling customer service operations, organising process strategies and building lasting professional relationships with various stakeholder groups. With good analytical, presentation and decision making skills, looking for challenging opportunities to advance my career in a finance role. CORE COMPETENCIES

Sales Management Branch Management Audit Compliance Target Planning and Forecasting Data Mining and Extraction Account Management Data Entry and MIS reporting Vendor Management Customer complaint resolution Core Banking Services Regulatory Compliance Mortgage Creation Collection and Debt Recovery Credit Quality Risk Management TECHNICAL SKILLS

MS Office MS Outlook Finacle 7 Finacle 10 Oracle ALPS CIBIL CRESS IRAM WORK EXPERIENCE

IDBI BANK LTD

IDBI Bank Ltd is a Universal Bank that provides Commercial Banking services to Retail and Corporate customers in India. It operates business through various segments Wholesale Banking, Retail Banking, Treasury Services and other Banking Operations spread across the country

Duties and Portfolios Handled:

Relationship Manager (RBG-Retail Banking Group) – Building relationships with HNI,Preferred, NRI Clients, Investment Advice for Financial Planning, cross selling of financial products

Service Operations Manager (RBG-Retail Banking Group) – Managing branch operations, ensuring compliance of KYC policy, RBI regulations, AML and CFT compliance, fraud management,handling vault operations, Teller cash management, ATM cash management, Deliverables management, AOF management, locker Management System, Customer compliant resolution, Western Union Money transfer, RTGS and NEFT transfer, CTS clearing, death claim settlements, CASA management, trade finance documentation and processing -facilitating swift transfers, issuance of bank guarantee and letter of credit

Retail Assets Team Member :Home Loans and Mortgage Loans (RAC-Retail Assets Centre) – Leading complete retail asset sales lifecycle, ensuring compliance of processes and guidelines in line with bank policies, product norms and credit quality,delivery management focusing on customer satisfaction, credit underwriting, processing of loan proposals, disbursement of loans and operational management IDBI BANK LTD – MANAGER [JUL 2018 – FEB 2020]

Contributed in achieving RAC’s overall business target of Rs.2100 Crore, Rs. 30-40 crore monthly target, Rs. 100-120 crore quarterly target and 450 crore yearly target

Identification and appointment of direct Sales agents, associates, and other builder tie ups, processing of APF’s

Sourcing of Housing and mortgage loan portfolios by conducting promotional activities

Managed and trained Direct Sales agents comprising of 10 people,3 Direct Sales team contributing Rs.15 Cr to Monthly business and liaised with 7 retail branches tagged to the centre for loan processing

Logging in of Housing and Mortgage loans by examining application and supporting documentation; estimating credit worthiness; calculating repayment risk

Credit underwriting,analysis of technical, legal, credit-CIBIL and TransUnion reports and processing of loan proposals keeping in line with banks policies, product norms and local collateral policies from time to time

Preparation and execution of loan documentation adequately franked and stamped

Operational procedures; loan account opening, amortization scheduling, suspense account reconciliation, part payment and closure process, post disbursement original property document collection and verification, NACH Mandate registrations, handling customer queries,compliant resolutions, PMAY processing, Document retrieval, File movement, CERSAI Registrations, CIBIL Mortgage creation, Collection and recovery actions

Expertise in three verticals of retail asset centre, Sales, Credit and Operations department IDBI BANK LTD – ASSISTANT MANAGER [JUL 2012 - JUN 2018] Banking Operations

Supervised all retail banking operations with overall internal control, adherence to guidelines compliance

Handled cost control,vendor management and bill settlement

Monitoring and verification of cash and transfer transactions in branch teller/transfer counters

Branch suspense accounts reconciliation and zeroization on a daily basis

ATM cash loading management for automated Teller Machines tagged to the branch

Audit/Regulatory compliance: Contributed in getting “very good” rating for branch consecutively for 6 years

Contributed to branch from inception to reach profitability and YOY growth and book size of Rs. 40 crore

Responsible for preparation and compilation of MIS for various aspects of branch banking

Handled complete administration matters of branch including maintenance of files, bookkeeping, infrastructure facilities, IT support, branch asset management, procurement of supplies and equipment’s to ensure smooth functioning of the branch

Client Relationship Management

Managed customer centric operations, ensuring 100% customer satisfaction by achieving delivery & service quality norms within defined TAT of 1-2 days

Identified improvement areas in overall operations and took measures to maximise banking clientele through effective service

Relationship management with 98% customer retention, 75% cross selling, organising and conducting campaigns to maximise sales and thereby achieve branch targets Retail Asset Operations

Responsible for sourcing of retail asset portfolio

Undertook Credit Underwriting and rating

Prepared pre/post Sanction Documentations

Monitored and controlled the overall Retail Loan portfolio

Contributed in adopting prompt recovery measures to prevent slippage to NPA and quick mortality Team Management

Mentored and monitored team performance to ensure efficiency in banking operations and relationship management

EDUCATION

Post Graduate Diploma In Management,Finance and HR 2010-2012 Loyola Institute of Business Administration (LIBA) – Chennai, India Bachelor of Commerce, Accounting and Finance 2007-2010 Stella Maris College - Chennai, India

OTHER ACTIVITIES AND ACHIVEMENTS

• JAIIB- ‘Junior Associate of Indian Institute of Banker’ from IIBF, Mumbai India

• NISM Series VI Depository Operation Certification for Demat Operations

• Completed a program on 'Structured Retail Assets’ from JNIBF-Jawaharlal Nehru Institute of Banking & Finance, Hyderabad India

• Appointed as a Micro Observer for the election duty in General Elections to Lok Sabha 2019 for, Bengaluru India

• Received certificate of achievement for contributing to new business for MRTA New Business Premium from IDBI Federal for the quarter Oct to Dec 2018 and Jan to Mar 2019

• Interned at Bank of Baroda, Chennai India -Project on Credit Appraisal & Decision Analysis

• Interned at PFG Money, Cochin India -Project on Global Money Transfer

• Completed certificate programme of the UGC in ‘Services Marketing’ conducted by the Department of Commerce, Stella Maris College,Chennai India from July 2008 to April 2009

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