Commercial Bank A Team

Resume

Tirtha Raj - Nepal

Birtamode Municipality-1, Birtamode, Jhapa, Nepal

D/O/B: 09/06/1985

Mobile: +977**********

E-Mail id: *********@*****.***

OBJECTIVE

Seeking a challenging role in reputed financial institution to leverage my expertise in strategic planning, team management and risk assessment to drive profitability and growth. Experienced banker with the strong background in commercial lending and relationship management.

EDUCATIONAL QUALIFICATION

S.L.C- SLC Board Nepal-Year 2002

Proficiency Certificate Level-Tribhuvan University-Year 2005

Bachelor’s Degree in Business Studies- Tribhuvan University-Year 2008

Master’s Degree in Business Studies- Tribhuvan University-Year 2015

WORK HISTORY

Citizens Bank International Ltd and / OR https://https://www.ctznbank.com (Commercial Bank)

Branch Manager (Senior Officer)

15/03/2025- till date

Citizens Bank International Ltd– Dharan Branch

Ensuring smooth daily operations of the branch with proper organization and control

Directing, supervising number of head counts in a branch for optimum utilization of available resources targeting performance goal ensuring staff motivation

Ensuring adherence of organizational policies and procedures as per the designed guidelines of the institution itself and Nepal Rastra Bank

Drive sales of new and existing products and services introduced by the bank

Relationship management with existing and potential clients along with responding their inquiries

Ensuring all efforts to achieve assigned business targets and monitor expenses

Handling of customer complaints and grievances

Conducting various promotional activities to sell loan, deposit and other auxiliary products of the bank

Approved loans, credit limits, and financial transactions within authority limits

Close monitoring of every functional area of the branch to ensure excellence customer service

Collection of relevant information from the surrounding market area and escalation of the same to head office

Maintaining team bonding, work ethics and identifying training needs of staffs

Represent the bank in local events and business forums

Citizens Bank International Ltd and / OR https://https://www.ctznbank.com (Commercial Bank)

Province Support Unit (Senior Officer)

14/02/2025- 14/03/2025

Citizens Bank International Ltd– Province Office (Koshi)

Monitoring overall performance of all branches within Koshi Province and reports to Province Manager

Preparation of various reports relating to branches from province level

Close monitoring of the progress of the branches in terms of business and suggests corrective actions

Liaisoning between the branches and Province manager or Head office for any branch related issues

Providing guidance to branches within the province in credit proposal writing and presentation

Monitoring turnaround time of branches for credit file processing and escalate the same to province manager

Encouraging branches for active participation in various sales campaign launched by the organization and maintain the log of the branch’s participation and progress

Reviewing deals in pipeline in the branches & facilitate them to expedite the same providing various required supports

Take the note of every reported issues from the branch and report the same to higher authority

Making visits to various potential or existing clients as per the request of the branches

Making calls to the concerned staff in the branches in regards to their daily engagement, issues (if any)

Collection of relevant information from the market and escalation of the same to Province Manager

Citizens Bank International Ltd and / OR https://https://www.ctznbank.com (Commercial Bank)

Branch Manager (Senior Officer)

29/06/2021- 12/02/2025

Citizens Bank International Ltd– Birtamod Branch

Organizing and control of overall branch operation

Directing, supervising number of head counts in a branch for optimum utilization of available resources targeting desired productivity ensuring staff motivation

Ensuring adherence of organizational policies and procedures as per the designed guidelines of the institution itself and Nepal Rastra Bank

Publicizing and marketing of new and existing products and services introduced by the bank

Relationship management with existing and potential clients along with responding their inquiries

Ensuring the branch has met all the business targets assigned by head office and expenses are remained within the budgeted line

Handling of customer complaints and grievances

Conducting various promotional activities to sell loan, deposit and other auxiliary products of the bank

Utilizing given credit authority discretion with proper analysis and review of credit proposals

Close monitoring of every functional area of the branch to ensure excellence customer service

Collection of relevant information from the surrounding market area and escalation of the same to head office

Maintaining team bonding, work ethics and identifying training needs of staffs

Erstwhile Civil Bank Limited (Merged with Himalayan Bank Limited on 24/02/2023) and / ORhttps://himalayanbank.com

(Commercial Bank)

Branch Manager (Officer)

28/07/2020 - 24/06/2021

Civil Bank Limited-Bhadrapur Branch

Marketing of different loan, deposit and other products of the bank

Planning, organizing, directing, and evaluating the overall operation of the branch

Business growth of the branch in accordance with assigned business budget through head office

Prepare, analyze and submission of loan proposal for further approval from competent authority

Proper utilization of available HR and other resources to ensure optimum productivity

Monitoring pre and post approval tasks of loan and reviewing utilization of loan fund

Proper implementation of the policies and procedures to achieve bank’s goal

Customer relationship management & timely responding their queries

Review and guidance on performance of all staffs of the branch

Interview corporate and personal customers to know their needs and suggesting them to avail suitable products

Ensure all the branch transactions are balanced or settled at day end

Erstwhile Civil Bank Limited (Merged with Himalayan Bank Limited on 24/02/2023) and / ORhttps://himalayanbank.com

(Commercial Bank)

Relationship Manager (Officer)

21/10/2018 - 27/07/2020

Civil Bank Limited-Birtamode Branch

Guide and supervise branch staffs as a second man of the branch

Handling the branch smoothly in absence of branch manager

Handling the corporate credit portfolio of the branch

Screening, analyzing, preparation and submission of credit proposal

Market visits for loan and deposit marketing

Approaching potential customers to establish business relationship

Guide clients to make their financial planning & decisions

Negotiating credit terms with clients

Ensure compliance of internal and regulatory guidelines along with proper loan documentation

Post disbursement monitoring and recovery follow ups

Oversee overall credit portfolio of the branch to keep the loans in good status and to guide subordinates for corrective measures

Trade Finance Tasks (LC/Guarantee) execution

Erstwhile Civil Bank Limited (Merged with Himalayan Bank Limited on 24/02/2023) and / ORhttps://himalayanbank.com

(Commercial Bank)

Relationship Manager (Junior Officer)

16/07/2017 - 20/10/2018

Civil Bank Limited-Birtamode Branch

Guide and supervise branch staffs as a second man of the branch

Handling the branch smoothly in absence of branch manager as an ABM

Screening, analyzing, preparation and submission of credit proposal

Market visits for loan and deposit marketing

Post disbursement monitoring and recovery follow ups

Periodic business visits, collateral site visits, assets insurance status review

Approaching potential customers to establish business relationship

Evaluation of credit worthiness of potential customers

Financial statement analysis of the clients

Guide clients to make their financial planning & decisions

Negotiating credit terms with clients

Ensure compliance of internal and regulatory guidelines along with proper loan documentation

Oversee overall credit portfolio of the branch to keep the loans in good status and to guide subordinates for corrective measures

Monitoring of repayments

LC, Guarantee facilitation

NIC Asia Bank Limited and /ORhttps://www.nicasiabank.com(Commercial Bank)

Relationship Manager (Supervisor)

02/03/2017 - 14/07/2017

NIC Asia Bank Limited-Pathari Branch

Guide and supervises branch staffs as a second man of the branch

Handling the branch smoothly in absence of branch manager as an ABM

Screening, analyzing, preparation and submission of credit proposals

Market visits for loan and deposit marketing

Post disbursement monitoring and recovery follow ups

Periodic business visits, collateral site visits, assets insurance status review

Approaching potential customers to establish business relationship

Evaluation of credit worthiness of potential customers

Financial statement analysis of the clients

Guide clients to make their financial planning & decisions

Negotiating credit terms with clients

Ensure compliance of internal and regulatory guidelines along with proper loan documentation

Oversee overall credit portfolio of the branch to keep the loans in good status and to guide subordinates for corrective measures

Monitoring of repayments

NIC Asia Bank Limited and /ORhttps://www.nicasiabank.com(Commercial Bank)

Assistant Relationship Manager-SME (Senior Assistant-Supervisor)

02/10/2015 - 01/03/2017

NIC Asia Bank Limited-Birtamod Branch

Dedicated person of SME relationship management

Preparation, analyzing & submission of SME credit proposals

Market visits for SME loan growth

Post disbursement monitoring and recovery follow ups

Periodic business visits, collateral site visits, assets insurance status review

Approaching potential customers to establish business relationship

Evaluation of credit worthiness of potential customers

Financial statement analysis of the clients

Guide clients to make their financial planning & decisions

Monitoring of repayments

Ensure timely review and renewal of revolving credit limits

NIC Asia Bank Limited and /ORhttps://www.nicasiabank.com(Commercial Bank)

Retail Sales Executive (Assistant/Senior Assistant)

02/09/2014 - 01/10/2015

NIC Asia Bank Limited-Birtamod Branch

Dedicated person for retail loan portfolio & deposit management

Market exploration for potential retail loan business and deposit business

Preparation, analyzing & submission of home loans/auto loans/mortgage loan/Margin Lending/Other proposals

Maintaining relationship with various vehicle dealers, possible rain makers of various commercial and social organizations.

Post disbursement monitoring and recovery follow ups

Periodic business visits, collateral site visits, assets insurance status review

Guide clients to make their financial planning & decisions as per their level of income and offered securities

Monitoring of repayments

Initiating various campaigns for account opening, mobile banking, internet banking and other product marketing

NIC Asia Bank Limited and /ORhttps://www.nicasiabank.com(Commercial Bank)

Credit Administration Assistant (Assistant)

05/03/2014 - 01/09/2014

NIC Asia Bank Limited-Birtamod Branch

Preparation and execution of loan security documents as per approved terms and conditions

Implementation of approved limits in the system (CBS) in coordination with central credit operation department

Repayment track monitoring, follow up calls and recovery letter issuance as per internal policies

Ensure timely renewal of assets insurance policies

Proper recording of approved proposal, credit files along with relevant documents

Post disbursement monitoring of the business, stock inspection, books verification

Ensuring compliance of approved terms/conditions, and approver’s remarks while implementing limits in the system

Execution of mortgage related works, and ownership transfer of hypothecated assets

NIC Asia Bank Limited and /ORhttps://www.nicasiabank.com(Commercial Bank)

Customer Service Assistant (Assistant)

30/06/2013 - 04/03/2014

NIC Asia Bank Limited-Birtamod Branch

Personal and corporate account opening/closing

Proper assessment of documents submitted by clients, verification of the documents with originals

Cheque book issuance, Manager’s Cheque Issuance, demand draft issuance

ATM card, mobile banking, Internet banking, and other transaction banking products registration

Handling customer’s calls/inquiries

Resolves customer’s complaints, and concerns

Serving as a face of the bank representing the brand ensure customer satisfaction

Offering information about various products of the bank to the visitors

Proving appropriate solutions of the customer queries within time limits following standard communication procedures, guideline, and policies

Performed supervisory role for the use of “Finacle”- banking software, at the time of 1st historic merger between two “A” class financial institutions (i.e. erstwhile NIC BANK & Bank of Asia Nepal Limited).

Bank of Asia Nepal Limited (Merged with NIC Bank Limited on 30.06.2013) and /ORhttps://www.nicasiabank.com(Commercial Bank)

Teller (Trainee Assistant/Assistant)

17/01/2010 - 29/06/2013

Bank of Asia Nepal Limited -Birtamod Branch

Facilitate customers for deposit and withdrawal of the cash through the counter

Handling inward and outward remittance including various agency payments, TT, Swift,etc.

Ensure accuracy of cash while taking deposits and making payments

Ensure timely completion of transaction in the core banking software of the bank

Ensure reconciliation of physical cash with system cash throughout the time

Prudent and safe handling of financial transactions in the bank

Collection of loan repayments

Taking extreme care while processing transaction to avoid errors

Facilitate fund transfer transactions

Facilitate various bills/expenses settlement

Computer Skills (If any)

MS Office Package

Banking Software (Finacle/T24/Pumori)

Country of Residence: Nepal

Country of Citizenship: Nepal

Place of birth: Jhapa, Nepal

Languages speak: Nepali, Hindi, and English

Complete Current Residential Address of PA

Road No 5, Sriram Tol, Ward-1, Birtamode Municipality, Jhapa-District, Mechi-Zone, Koshi-Province, Nepal-Country

Complete Permanent Address of PA

Nepal Village, Baraghare, Ward-2, Garamani VDC, Jhapa-District, Mechi-Zone, Koshi-Province, Nepal-Country

PERSONAL DETAILS

Father’s Name : Yagyanidhi Nepal

Date of Birth & Age : 09.06.1985/39

Gender : Male

Marital Status : Married

Nationality : Nepali

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