Summary
Overview
Work History
Education
Skills
Accomplishments
Professional Development
Professional Highlights
Timeline
Generic

Ashmeeta Nandini

Hillcrest,New Zealand

Summary

Experienced, skilled and banking driven professional with over 8 years in the banking and finance sector, working with both personal and business banking products. Proven ability in preparing and analysing reports, exceeding customer satisfaction KPIs and developing knowledge of commercial, personal and online banking requirements. Developed extensive banking experience working across all departments of a bank, including in Teller and Team Leader roles. Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level Job. Ready to help team achieve company goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Overview

7
7
years of professional experience

Work History

Supervisor - Credit

Bank of Baroda
08.2022 - 04.2023
  • Evaluated business and personal banking credit applications, obtaining and compiling copies of credit histories, corporate financial statements and other required information
  • Assessed loans and oversaw legal requirements including document settlement and approvals
  • Reviewed and updated credit and loan agreements to ensure accuracy and policy compliance
  • Actively promoted the bank at social events, marketing both personal and business banking products
  • Collaborated with Senior Managers to make recommendations in relation to credit policies, credit lines, procedures and standards
  • Prepared numerous reports, using both Excel and bespoke banking systems, including balance sheets, monthly financial statements, quarterly reports, and reports on variances
  • Developed knowledge of the full suite of banking products including new loan types and financial service products to meet customer need
  • Consistently received positive feedback from customers in relation to outstanding personalised service and support
  • Successfully promoted into the Branch Accountant and Assistant Branch Manager roles as a result of outstanding performance.
  • Worked with customers to answer questions, resolve disputes and research discrepancies.
  • Processed recurring automated payments and credit card payments.
  • Assisted with reconciliations and customer communications.
  • Received inbound customer calls related to credit and accounts receivable.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Organized and finalized loan applications for underwriter review.
  • Reviewed and verified income, credit reports and employment histories for each borrower.
  • Recommended approval or disapproval of commercial, real estate or credit loans.
  • Checked appraisals, title information and insurance documents for each property.
  • Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
  • Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
  • Performed banking, business administration and financial tasks to guarantee five-star service for clients.
  • Prepared internal and regulatory financial reports, balance sheets and income statements.
  • Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.

Loan/Credit Clerk

Bank of Baroda
04.2018 - 08.2022
  • Evaluated business and personal banking credit applications, obtaining and compiling copies of credit histories, corporate financial statements and other required information
  • Assessed loans and oversaw legal requirements including document settlement and approvals
  • Reviewed and updated credit and loan agreements to ensure accuracy and policy compliance
  • Actively promoted the bank at social events, marketing both personal and business banking products
  • Collaborated with Senior Managers to make recommendations in relation to credit policies, credit lines, procedures and standards
  • Prepared numerous reports, using both Excel and bespoke banking systems, including balance sheets, monthly financial statements, quarterly reports, and reports on variances
  • Developed knowledge of the full suite of banking products including new loan types and financial service products to meet customer need
  • Consistently received positive feedback from customers in relation to outstanding personalised service and support
  • Successfully promoted into the Branch Accountant and Assistant Branch Manager roles as a result of outstanding performance.
  • Handled reporting, filing and collections paperwork for credit group.
  • Assisted in accounts receivable, cash receipts and collections and daily deposits.
  • Prepared and distributed monthly statements of accounts.
  • Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
  • Managed accounts receivable collections for Location.
  • Made contact and took action to collect on insufficient funds checks.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Updated client accounts with new information and verified data for informed credit approvals.
  • Monitored client abilities and account information to determine appropriate credit approval decisions.
  • Prepared reports of findings and recommendations.
  • Kept records of customers' charges and payments.
  • Referred delinquent accounts to collections department or outside resources.
  • Worked with clients to define and implement terms for approved credit requests.

Customer Services Clerk

Bank of Baroda
11.2015 - 04.2018
  • Provided exemplary customer service to members of the public, supporting them with their personal banking needs
  • Completed banking functions including opening accounts, remittance processing, daily cheque clearance, foreign exchange, money market dealing, and term deposits
  • Escalated suspicious transactions and behaviour to the Supervisor in line with bank protocols.
  • Handled customer inquiries and suggestions courteously and professionally.
  • Answered constant flow of customer calls with minimal wait times.
  • Answered customer telephone calls promptly to avoid on-hold wait times.
  • Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
  • Updated account information to maintain customer records.
  • Offered advice and assistance to customers, paying attention to special needs or wants.
  • Responded to customer requests for products, services, and company information.
  • Processed customer service orders promptly to increase customer satisfaction.
  • Provided primary customer support to internal and external customers.
  • Delivered prompt service to prioritize customer needs.
  • Trained new personnel regarding company operations, policies and services.
  • Promoted available products and services to customers during service, account management, and order calls.
  • Monitored cash drawers in multiple checkout stations and maintained adequate cash supply.
  • Enhanced productivity levels by anticipating needs and delivering outstanding support.
  • Increased efficiency and team productivity by promoting operational best practices.
  • Recommended, selected and helped locate and obtain out-of-stock product based on customer requests.
  • Bolstered customer retention by creating and offering unique discount options and inspiring interest in new product lines.

Education

Skills

  • Banking procedures
  • Foreign currency
  • Loan applications
  • P&L management
  • Loan consultation
  • Risk management
  • Debt management
  • Financial reporting
  • Tax reporting
  • Business processes
  • Customer service
  • Business administration
  • Extensive experience working with a range of personal banking and commercial customers, building strong relationships and promoting long-term loyalty
  • Skilled in providing advice to customers on loan, asset and liability management
  • Exemplary attention to detail and experienced at analysing data and preparing a range of financial and banking reports
  • Approachable and friendly team leader and colleague, working with staff to achieve company goals
  • In-depth knowledge and experience of risk and compliance requirements including anti-money laundering regulations
  • Highly experienced in working with the community, promoting banking services and products
  • Organised and efficient, managing competing priorities and tasks quickly and calmly
  • Proficient in the use of Microsoft Office packages including Word and Excel
  • Time Management
  • Organization
  • Supervision and Leadership
  • Organization and Time Management
  • Interpersonal Communication
  • Quality Assurance
  • Computer Skills
  • Attention to Detail
  • Team Management
  • First Aid/CPR
  • Data Management
  • Verbal Communication
  • Good Telephone Etiquette
  • Excellent Communication
  • Data Entry

Accomplishments

  • 2015-Till Date: Best Employee of the month awards, Most outstanding performer in business development award, Certificate of Appreciation
  • 2012: Certificate of School Graduation, Certificate of Academic Achievement for scoring the highest in vernacular studies, Certificate of Academic Achievement for attaining the 2nd position
  • 2011: Certificate of Participating from Pacific Children Foundation, Certificate of Academic Achievement for attaining the 1st position, Certificate of being Senior Prefect, Pass certificate for Fiji Mathematics Association, Certificate of participation in Blue Light Camp (FPF)
  • 2010: Certificate of Leadership as a Junior Deputy Head Girl, Merit Certificate for attaining 1st Position, Best Leadership Conduct Awards, Special Award in Friendly North Festival, Certificate of Credit in Australian Mathematics Competition, Certificate of Credit in Fiji Mathematics Competition

Professional Development

  • Know Your Customer (KYC) Training, 2022
  • Anti-Money Laundering (AML) Training, 2022
  • Branch Banking & Digital Products, 2021
  • Finacle Training for Overseas Subsidiaries, 2021
  • Retail Banking, 2020
  • Credit Monitoring and NPA Management, 2020
  • NPA and Risk Management, 2020
  • Financing of Micro Enterprises, 2018
  • Introductory Programme on Branch Banking, 2015

Professional Highlights

  • Secured the highest customer satisfaction rates while with Bank of Baroda
  • Moved up through the Bank of Baroda, from Customer Services Teller to Credit Supervisor
  • Proven track record of achieving or exceeding KPI's in relation to operational excellence, loan targets and customer service
  • Completed multiple training courses including Anti-money Laundering, Know Your Customer, Branch Banking and Digital Products and Training on Business Excellence

Timeline

Supervisor - Credit

Bank of Baroda
08.2022 - 04.2023

Loan/Credit Clerk

Bank of Baroda
04.2018 - 08.2022

Customer Services Clerk

Bank of Baroda
11.2015 - 04.2018

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Ashmeeta Nandini