South Indian Bank Recruitment 2010 Delhi www.southindianbank.com : Probationary Clerk

[Admin]

South Indian Bank
PB No. 5729, Door No. 1/18-20,
White House,(2nd Floor),
Rani Jhansi Rd, New Delhi - 110 055
Ph : 011 23540070, 23610400
E-mail: ro1008@sib.co.in

RECRUITMENT OF PROBATIONARY CLERKS
Applications are invited from Indian nationals for filling up vacancies of Pro. Clerks for Bank’s DELHI Branches

No. of vacancies : 4 0
Minimum Qualification
a) Minimum Educational Qualification: Graduation from a recognized University having completed a regular 10+2+3 course securing at least 50% marks in Science Stream or 45 % marks in Arts/ Other streams. Candidates should be proficient in computer operations.
b) Age: Not more than 26 years as on 31.03.2010.
c) Application fee Rs.250/- for general category and Rs.50/- for SC/ST, to be paid along with application by means of Demand Draft (Crossed Account Payee) favoring SOUTH INDIAN BANK, payable at Delhi.

Probation : 6 months. Confirmation subject to satisfactory performance.

Salary : As per National Level Bipartite Settlement in the Banking industry

Mode of selection : Written Test and Interview
Likely Centre for test : Delhi

GENERAL CONDITIONS
1. Candidates willing to serve anywhere in India only need apply.
2. Candidates having permanent address in Delhi/ NCR for more than 5 yrs and are proficient in Hindi & English only are eligible to apply.
3. Application (Passport-size photograph pasted thereon) should be accompanied by self-attested copies of all mark lists and certificates to prove the age and qualifications. APPLICATIONS NOT ACCOMPANIED BY SELF ATTESTED COPIES OF ALL MARK LISTS AND CERTIFICATES TO PROVE QUALIFICATION AND AGE WOULD BE REJECTED.
4. Upper age limit will be relaxed by five years in the case of SC/ST candidates. Candidates belonging to SC/ST should submit attested copies of certificates from a competent authority to prove their status in this regard.
5. Candidates are advised to retain two copies of the same photograph, which was used in the application, for use at the time of interview.
6. Mere eligibility will not vest any right/ entitlement on the candidate for being called for written test / interview. In matters regarding eligibility and selection, Bank’s decision will be final and no correspondence will be entertained.
7. Canvassing in any form will be a disqualification.

How to apply :
8. Application should be neatly typewritten and should be complete in all respects.
9. If the information furnished by the candidate is found to be false at a later date, the selection / appointment shall be liable for termination.
10. Please super scribe the envelope containing the application “APPLICATION FOR THE POST OF PRO. CLERKS” and send to THE Dy. G M, THE SOUTH INDIAN BANK LTD, REGIONAL OFFICE, 1/ 18-20, IInd FLOOR, WHITE HOUSE, RANI JHANSI ROAD, NEW DELHI – 55 (Ph: 011- 23540070) as to reach on or before 05.04.2010.

For more details :
http://www.southindianbank.com/Careers/careerslist.aspx

http://www.southindianbank.com/UserFiles/delhi-web.doc

[Guest-IJT]

Dear sir/Madam
Greetings of the day !
My name is Rajesh Kumar Pandey, I have 5.5 year rich experience in credit and operation in NBFC and Bank. I got ur email id from a Job Portal. I would be highly obliged if you could consider my resume for any suitable opening in the credit , operation, loan underwriting of your esteemed organization.

Please find attached my CV for your kind perusal for credit underwriting and operation profile
RAJESH KUMAR PANDEY
E-Mail: rkalld.rakesh AT gmail.com
________________________________________
Seeking senior level assignments in Credit Appraisal, Risk Management, Branch Administration, Retail Loans, Business Development and Relationship Management, with a growth oriented organization in the Insurance/Finance/Banking Sector
Professional Snapshot
- A dynamic professional with over 5.5years of rich experience in Credit Appraisal, Retail Loans, Banking Operation, Risk management, Loan Recovery and Team Management,
- Acquired experience in interfacing with clients for rendering consultancy on financial products and managing backend operations across assignments.
- Expertise in managing operations with key focus on optimal utilization of resources. Result oriented record of streamlining the working SOPs for enhanced operational effectiveness.
- Track record of consistently achieving the projected targets at branches, building dynamic teams, identifying high-yielding services and products during the career span.
- Proficient in credit administration involving credit appraisals and verification of loan documents.
- A leader and planner with proven track record in business planning, market plan execution pre-sales efforts with skills in competitor and market analysis.
- Possess strong interpersonal, communication and analytical skills with demonstrated abilities in training & development, team management and customer relationship management.


Career Recital
Oct’07-Feb’09 with Fullerton India credit company, Nashik as Branch Credit Manager
Fullerton India is a subsidiary of Fullerton Financial Holdings Pvt. Ltd., a wholly owned subsidiary of the Temasek Holdings, Singapore
Working in the Credit and Risk Division
May’04-oct’07 with Shelter(citi bank Associate)., New Delhi as Astt. Credit Manager
Working in the Credit and Risk Division
Key deliverables across the tenure(fullerton India credit company Ltd)
Credit Appraisal / Loan Disbursement
- Managing the appraisal of credit proposals, scrutiny of relevant documents before sanctioning loans and disbursing loan amount ensuring compliance with organizational credit policies.
- Performing the functions of assessing creditworthiness on an ongoing basis of clients and taking adequate steps to ensure receipt of payments and recovery of bad debts.
- Attending loan queries through a team of individuals.
- Scrutinizing the documents of customer for assisting legal and valuation matters as per RBI norms.
- Recommending for approval and disbursal of loans for clients.
- Having loan sanction authority of 1.5 unsecured and 2.5 secured loan
- Evaluating the proposals brought by the leads and recommending viable suggestions for sanction or rejection after making credit appraisals.
Branch Administration
- Implementing competent strategies for asset business with a view to penetrate new accounts and expand existing ones for meeting pre-determined business objectives and targets.
- Identifying new streams for revenue growth and developing marketing plans to build consumer preference.
- Maintaining branch records as well as periodically submitting the reports to Management for decision-making purposes.
- Handling overall administration of the organization.
- Issuing Mortgage Loans, Home Loans and Personal Loans.
Risk Management
- Framing risk policies, managing risks and implementing effective mechanisms to mitigate them.
- Making guidelines for fraud control and checking segmentation of cases & briefing risk about dangerous segment of sourcing.
- Undertaking non-starter updates to credit and identification of risks, analyzing risks, mitigating risk, controlling risk and monitoring of risks arising by funding of certain profiles.
- Scanning documents to avoid frauds and skips by minimizing the losses & implementing recovery strategies in case of payment defaults.
Operations
- Maintaining branch records & periodically submitting the reports to Management for decision-making purposes.
- Administrating day-to-day affairs concerning operations, customer care and servicing.
- Following-up for pre and post disbursement and updating daily MIS of all activities.
- Credit Quality demonstrated by non starters, early vintage, delinquency and Net Credit Losses.
- Process discipline demonstrated by satisfactory audit reviews & Ratings
- Turnaround times.
- Review of delinquent accounts to identify possible rehabilitation vis-Ã -vis re-age & re-structure
- Process adherence in Credit Approvals as per credit policy.
- PDD Review & Tracking
Customer Relationship Management
- Maintaining and developing customer relationships for business development & target achievement.
- Conducting customers meetings twice in a year for making good relations.
- Creating and sustaining a dynamic environment to foster development opportunities and motivate high performance amongst channel members.

Key deliverables across the tenure(shelters(citi bank associate)
Credit Appraisal/Loan Administration
- Risk assessment and credit appraisal for personal loans application.
- Assessment of the repayment capacity of Customer in order to decide upon his/her eligibility for the loan and its amount.
- Credit appraisal of Salaried, self employed professional (SEP) and self employed non- professional(SENP)
for their personal loan application
- Analysis of delinquent cases & non starters to ensure the corrective action
Operations
- Maintaining Sanction and disbursement TAT to ensure the both internal and external customer satisfaction.
- Establishing processes, initiating operations and stabilizing operations after successful commencement of operations within stipulated time with a basic ERP(ALPS) software.
Process Management
- Owner of processes and process changes to ensure smooth running as well as initiate cost savings, optimize resources and enhance operational efficiency.
- Utilized daily MIS to control process parameters to get optimum output, attain reduction in manual errors thereby avoiding customer issues and future loss to the company.
Internal Value Enhancement
- Periodic sales training to ensure that sales teams are thorough with all the product changes.
Academic
M.B.A (Finance ) from Bundelkhand University ,Jhansi,(U.P) Full time in year 2004
M.com. from Kanpur University in 2002.
B.com from Allahabad University in 2000
Industrial Training
- Summer Project
Two months summer Industrial Project on the topic “ Causes of loss & Improvisation of Bharat Pumps & Compressor Ltd. (A Public Enterprises”) Naini Allahabad (U.P.)
- Winter Project
One month on the job training in HUDCO NIWAS on the topic “Analysis of the market trends in the field of housing finance” executed at HUDCO BHAWAN, Indian Habitat center, Lodhi Road, New Delhi – 110003.
Extra Curricular Activites
- Participated in Symposium, Conducted by Deptt. of Banking, Economics & Finance, Bundelkhand University, Jhansi (U. P.).
Achievements
- Certificate of excellence for outstanding performance and lasting contribution as Credit Officer in personal loan Deptt. In the year 2004.
- Certificate of merit in recognition of superior performance as a credit officer (personal loan Deptt.) in the year 2005.
- Promoted by Organization as Asst. Manager in March 2006.
Skill Set
Proficiency in working with MS Office, MS Excel, MS Word., Internet Browsing Tally 5.4 and Communication.

Date :
Place :
RAJESH KUMAR PANDEY