Trupti Sawant

Assist in credit appraisal and credit administration for Secured/ Unsecured Loan. Handling post disbursement activities. Ensure smooth flow of credit proposals within TAT. Maintaining cordial relations with clients to achieve quality product and service norms by resolving their service related critical issues. Managed everyday activities and ensured optimal levels of customer satisfaction. Take charge in absence of Branch Manager and provide direction to team. Authorize all transactions and ensure that proper process is followed. Ensured compliance to all bank regulations and guidelines.

Supervise day to day working of branch and overall branch administration. Leading and delegating the jobs and responsibilities to staff for smooth working and high profitability. Leading the team with motivation and complete support for handling daily activities. Generate various branch reports and returns for ensuring compliance and monitoring in Suspense and Sundry accounts as per bank’s rules and guidelines. Daily review of branch progress for achievements of branch deposits, advances and other targets. Managing overall functioning of the branch from Compliance and Audit point of view. Generate various branch reports and returns for ensuring compliance and monitoring in Suspense and Sundry accounts as per bank’s rules and guidelines. Preparation of Balance sheet and other statutory reports. Managing statutory and internal Audit and ensuring TAT to resolve queries. Providing monthly MIS to Zonal office and Head office.

Credit Appraisal & Monitoring Processing of all types of Credit Proposals viz Working Capital Finance, Home Loan, Mortgage Loan, Vehicle Loans, Unsecured Business Loans. Pre-disbursement documentation and post disbursement issues and monitoring of accounts including inspection of units / primary and collateral security of borrowers. Maintaining healthy portfolio by way of monitoring accounts, periodical reviews/renewals of exiting limits, unit visits, discussion with clients for suggesting corrective measures etc. Identifying risk issues and taking timely actions. Follow up for any control gaps arising out of risks. Undertake regular Asset quality reviews in order to identify risks and opportunities. Credit Rating and Portfolio management and limit renewals for existing clients. Reviewing legal documentation to identify compliance and reporting obligations Ensure effective coordination with Credit department and other departments to implement key credit policy Reconciliation of loan amount,installment amount & rate of interest for financial impact.

Banking professional with over 14 years of experience in Banking Operations, Deposits, Loans, and KYC/AML Compliance. Currently working as Manager – KYC Department (Head Office), responsible for bank-wide KYC governance, regulatory compliance, CKYC, audit coordination, and risk mitigation in line with RBI Master Directions and PMLA. Strong understanding of account opening controls, high-risk customer management, and fraud prevention.