Customer Service Sales
Resume:
SUMEDHA HEGDE
Holtsville, NY 11742 **********@*****.***
http://www.linkedin.com/pub/sumedha-hegde/14/a16/89a
PROFILE
Well qualified and result oriented International Retail bank professional with four and half years of experience. Top performer with consistently achieving branch sales goals, credit and risk policy and customer expectation.
Loan underwriting, Analyzing and Interpretation of Financial Statements, Customer Relationship Management, Credit documents, and Delinquency control.
Sales, Organization skills and Analytical skills. Good negotiation, Self starter with attentions to details, focused and Goal oriented. Team player with good communication skills and Follow up skills.
Work with heavy workload assignments and multiple priorities, Quick Lerner, and Meet the dead line.
Experience 1: HSBC Banking Corporation LTD Bangalore, India.
Underwriting Analyst, Consumer Finance. 2006 to 2008.
• Analyze and interpret borrower credit reports, Income/bank statement and other credit documentation required to identify issues and make credit recommendations to strengthen loan structure.
• Interact with the borrower (Know Your Customer), Understand loan applicant’s intentions and ability to repay the loan. Recommend and educate customer about loan and Cross Sell Insurance product.
• Prepare complete loan/credit proposal information package. Underwrite the case with assigned credit limit and forward recommendations exceeding limit as appropriate for the new and existing borrower with Special Lending Authorities and General Lending Authorities.
• Complete timely Reports on Financial analysis and operating credit risk, calculate profitability analysis, preparing approval, legal and other supportive loan document reports.
• Collaborate and develop effective relationship with senior credit analyst, loan officers, relationship managers, customer service and internal and external partners to resolve inquiries and obtain additional information as required.
• Coordinate with Credit Administration to monitor all credit exception reports and maintain portfolio’s compliance with credit guidelines. Ensure timely execution of transactions and compliance with all approval terms and conditions.
• Engage and work on special projects like fraud risk, portfolio analyses, training etc.
• Maintain HSBC internal control standards including timely implementation of internal and external audit points together with any issues rose by external regulators.
• Monitor the assigned Risk Portfolio, Renewals, modification or delinquencies on monthly basis. Review delinquent accounts to determine causes.
• Co-ordination with collection department to minimize delinquency rate. The awareness and bounce calling on customer loan payments. Follow up with Non starter, First Presentation Default (FPD) and Second Presentation Default (SPD) customers on the due payments.
Experience 2: Citi Financial Consumer Finance India LTD. Belgaum, India.
Personal Loan (PL) Asst. Manager. 2003 to 2006.
• Meet monthly Branch sales and promotional goals to generate revenue and sustain branch growth. Initiate contact with target customer for sales opportunities and sell appropriate PL to current and potential customers. Identify cross-sell opportunities and refer them to specialized products as required.
• Work closely with direct agents, other Sales Officers and external agencies to further develop the client relationship and close a sale.
• Conduct credit assessment (Know Your Customer). Analyze and verify financial documents, and credit verification report to minimize the risk and frauds. Develop, manages and expands customer relationships.
• Recommend appropriate PL and insurance products to meet Customer needs, based on objectives, risk tolerance and proper asset allocations. Resolve issues encountered on daily operations.
• Make Credit decision on Approvals or Rejections on the case with my assigned credit limit and forward recommendations with reports.
• Participate in community organizations and activities to promote the brand. Attract and retain the customer by various promotional activities.
• Provide guidance and training to less experienced personnel and assist in customer service and operational activities as required.
• Comply Compliance with Citi PL credit policies and procedures Ensure external agent’s responsibility align with Citi financial operating model, internal audit, compliance, legal and risk model.
• Co-ordinate with collection and other relevant departments to minimize delinquency rate and managing a portfolio. Provide Assistant in resolving customer refund issues complains, cash collection and Management.
EDUCATION:
Post Graduate Diploma in Management (Marketing and International Business),
IFIM B-School Bangalore 2001-2003
Bachelors of Business Administration (Accounts and Finance),
Karnataka University, India. 1997- 2000
OFFICE PRODUCTIVITY TOOLS: MS Word, Excel, PowerPoint, Lotus Notes, MS Outlook & explorer. Banking software like I-Apply, I service, HUB lending system and mainframe systems.
LANGUAGES: English, Hindi, Kannada, Marathi.
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