Summary
Overview
Work History
Education
Skills
Accomplishments
References
Hobbies and Interests
Timeline
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Smita Bhagat

Hounslow,LND

Summary

Motivated Bank Manager passionate about providing excellent customer service and exceeding expectations. Talented professional well-versed in service marketing and credit offerings. Inspires staff loyalty through strong leadership and communication skills. Highly detail-oriented and professional Branch Manager successful at meeting and exceeding branch goals. Expertise in customer service relations and sales management. Results-driven experienced in financial statement review, auditing and reporting. Well-versed in producing reports, evaluating department operations and handling month- and year-end closings. Meticulous, conscientious and methodical in approach.

Overview

10
10
years of professional experience

Work History

Branch Manager

State Bank of India
09.2017 - 06.2022
  • Currently managing a branch with an Rs
  • 500 crores advance and Rs
  • 400 crore deposit portfolios
  • Responsibilities include the sale of CASA, mutual funds, life insurance, and a variety of other products within the branch
  • Besides retail and high net worth individual (HNI) customers, responsible for managing relationships and accounts of the government departments
  • Managing five team members and the entire Branch Banking Operations
  • Accountable for the performance of the operating staff, sales team, and relationship manager channel for business acquisition and branch budget and cross-sell
  • Receiving deposits and loan payments on behalf of customers; cashing checks; issuing withdrawals from savings accounts; recording night and mail deposits; and selling cashier's checks, traveler’s checks, and series e bonds
  • Resolving customer inquiries or complaints expeditiously and within the specified Turn Around Time (TAT)
  • Managing compliance and operations-related issues, such as anti-money laundering (AML), know-your-customer (KYC), foreign exchange, and trade finance
  • Analyzing loan proposals and supervising the sanctioning of retail loans, recovery follow-up, and loan register maintenance
  • Monthly/periodical monitoring and reporting of the overdue positions, recovery, utilization of limits, AML alerts
  • Constantly striving to increase the value of existing accounts and portfolio retention
  • Responsible for the branch's operational excellence, auditing, and quality initiatives.
  • Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
  • Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
  • Increased customer satisfaction with personalized banking solutions, tailoring services to meet individual financial goals.

Assistant Manager

State Bank of India
07.2014 - 08.2017
  • Managed a high-volume caseload of loan applications while working in the loan processing center
  • Financial status, credit, and property evaluations of applicants were analyzed to determine the viability of sanction
  • Approved loans within specified parameters and referred loan applications that exceeded those parameters to management for approval
  • Oversaw the underwriting of all cases in a cluster within the prescribed timeframe
  • Obtained and compiled copies of loan applicants' credit histories, corporate financial statements, and other financial information, as well as conducting credit and loan file reviews and updates
  • Examined loan agreements to ensure it were complete and accurate following policy, as well as calculating payment schedules
  • Provided administrative support as needed for the completion of KYC reporting activities and was responsible for scanning and archiving KYC documents, as well as updating internal databases and spreadsheets daily.

Probationary Officer

State Bank of India
07.2012 - 07.2014
  • Extensive experience appraising and analyzing loans in the retail segment
  • Liaison between the customer and the technical team to ensure the process runs smoothly and to foster mutual understanding
  • Customer screening via a variety of background checks, Know Your Customer (KYC) checks, and bureau score ratings
  • Financial document appraisal, proposal appraisal and rating, and post-sanction operations (legal and disbursement)
  • Policies established and enforced to increase team productivity and enhance operational efficiency.

Education

Business Analytics -

IIM Indore
Indore, India
04.2023

Master's in Economics -

Magadh University, Patna
Bihar, India
09.2011

Bachelor's in Arts -

Vinoba Bhave University, Jharkhand
Hazaribagh, In
04.2008

Higher Secondary School -

S.M College, Bhagalpur
Bihar, India
03.2005

High School -

D.A.V
Khagaria, Bihar
05.2003

Skills

  • Retail and MSME banking
  • Credit Analysis
  • Loan Processing
  • Caseload Management
  • Team Leadership
  • Communication and Interpersonal Skills
  • AML and KYC Operations
  • Asset Management
  • Negotiation Skills
  • Process Improvement

Accomplishments

  • Grew new accounts by 18% in only 4 months.
  • Currently managing a branch with an Rs. 500 crores advance and Rs. 400 crore deposit portfolios.
  • Responsibilities include the sale of CASA, mutual funds, life insurance, and a variety of other products within the branch

References

References available upon request

Hobbies and Interests

  • Travelling
  • Reading Books
  • Listening Music

Timeline

Branch Manager

State Bank of India
09.2017 - 06.2022

Assistant Manager

State Bank of India
07.2014 - 08.2017

Probationary Officer

State Bank of India
07.2012 - 07.2014

Business Analytics -

IIM Indore

Master's in Economics -

Magadh University, Patna

Bachelor's in Arts -

Vinoba Bhave University, Jharkhand

Higher Secondary School -

S.M College, Bhagalpur

High School -

D.A.V

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