PNB Housing Finance Ltd www.pnbhfl.com : Management Trainee

[Admin]

Recruitment of Management Trainees
PNB Housing Finance Ltd. (PNBHFL), is a subsidiary of Punjab National Bank in partnership with M/s Destimoney Enterprises Pvt. Ltd. The company has been in operation since 1988 and has its Corporate Office in Delhi with 30 branches all over India at Agra, Bangalore, Bhopal, Bikaner, Chandigarh, Chennai, Cochin, Dehradun, Delhi, Dwarka, Gurgaon, Ghaziabad, Hyderabad, Indore, Jaipur, Jodhpur, Jallandhar, Karnal, Kolkata, Lucknow, Ludhiana, Meerut, Mumbai, Navi Mumbai, Noida, Nagpur, Pune, Raipur, Trivandrum and Varanasi. The Company has schemes for housing and non-housing mortgage loans for Individuals, Builders as well as Development Authorities. Over the years the company has packaged these schemes to suit the requirements of each of these segments as well as prevailing market conditions.

To meet new challenges PNB Housing Finance Ltd. requires talented and committed young management trainees. Candidates are advised to apply ONLINE from 8.3.2010 to 23.3.2010 , through the organisation’s web site at www.pnbhfl.com after carefully going through all the instructions contained in the application form and general instructions given in this advertisement. No other means / mode of Application will be accepted.

Important Dates
Opening Of Online Registration Gateway 08.3.2010
Closing Of Online Registration Gateway 23.3.2010
Date of Written Examination 25-04-2010

Candidates may download their Call Letter from the web site from 12-04-2010 to 25-04-2010 by entering their registration number and password.

Gross emoluments : 10000 - 470/6 – 12820 – 500/3 -14320 - 560/7 – 18240

Number of Vacancies : 40

Eligibility Criteria
i) A candidate must be a citizen of India
ii) Age Limit (as on 01-01-2010) Minimum 21 Years, Maximum 28 Years

Educational Qualifications:
MBA Degree / 2 years full time diploma
OR
MFC/ CA / ICWA
OR
Masters in Economics / Commerce
from a Govt. approved Institute / University with at least 55% marks.

Application fee / Postage Charges
Rs. 400/- per candidate shall be charged as application fee.

How to apply
Eligible candidates are required to apply only ‘online’ through our web site and no other means / mode of application will be acceptable.

Before registering their application on the web site, candidates should possess the following :-
- Candidates must possess a valid e-mail id for filling the application. In case, candidate does not have a valid e-mail id, he/she can create a new e-mail id. This e-mail id should be valid atleast for the duration of the recruitment process.
- Copies of a recent colour passport size photograph for pasting on print out of the application.
- Valid proof of identity such as PAN card / Passport / Voters ID card / College ID card / Driving license / Permanent Identity card issued by present employer and any other valid proof of identity with photograph.
- Demand Draft of Rs.400/- favouring “PNB Housing Finance Ltd” payable at New Delhi as non refundable application fee shall be accepted. The candidate must write his /her full name / post applied for, System generated Registration Number and date of birth on the reverse of the Demand Draft. The demand draft must be purchased on or after the date of opening of the Online registration Gateway i.e 08.03.2010 but before close of business on 23.03.2010 i.e. close of Online Registration Gateway. Even if the company extends the last date of Registration due to technical reasons, the valid dates during which the DD should be purchased as indicated above shall not change.

After applying online, the candidate is required to download the system generated printout of the application. This system generated printout of the application should be signed by the candidate and brought to the examination hall along with :
a) The application fee in the form of Demand Draft of Rs.400/-.
b) Printout of system generated application form duly signed by the candidate with cross signed passport size photograph pasted on it.
c) Self attested Copies of certificates pertaining to age, educational qualifications and experience.
d) Call letters downloaded from web site with photograph pasted on it.

Applications are invited for recruitment of Management Trainees.
Click here for complete Advertisement
Click here for online application

[bidyutpal]

Dear Sir/Madam,

I Bidyut Pal, take an opportunity to forward my CV, on a view to work in your esteemed organization suitably.

I am master in HR and Marketing. I possess total 5 years and 5 months of qualitative experience in the multiple diversified areas of Life Insurance, Export of handicraft products, Tourism at Jodhpur, Credit Appraisal, Sales & Marketing, Accounts, Technical & Recovery, (in cities like Baroda, Pune, Jaipur, Bhilwara, Kolkata & Durgapur) for home loan in DHFL. Professionally I am looking for an assignment leading to further enhancement of my knowledge & experience. I am confident in myself to do my best with determination and sincere efforts. I shall leave no efforts unturned to justify my existence.

Today where we stand, we see the market, technology, and various products are changing rapidly, globally. But, still I am confident in myself to accept the ongoing challenges and go ahead to meet the organization goal with total endeavor.

In my opinion, things may be difficult to get going but totally not impossible provided one has courage, willpower, vision, ethics and above all is the determination and total confident in own self. Building trust by developing mutual respect with people around us. I always try to overcome the barriers to success by inspiring myself by positive thinking into attitude, ambition and immediate action. Even in today’s, competitive world, one need to have high profile professional in the field of service sectors, but still I feel myself capable of undertaking any responsible job best on my gained skills and experiences.

I am looking for a job which has wide scope of work and learn in a wide range sector. I also wish to work hard to stand on a better platform for the best.

Enclosed, please find my C.V. for your kind perusal and consideration. I shall ever remain grateful to you and the organization, should I be given with an opportunity to work for.

Thanking you in anticipation and looking forward for a favorable reply.

With warm regards.

Bidyut Pal.
9331983128.

BIDYUT PAL
S/o Squadron Leader (Retd.) Bimal Kumar Pal, Anami Apartment, Block – B, Flat No. 501, No.2 Iswar Gupta Road, Near Anami Club, Dum Dum Cantt. Kolkata - 700028.

E Mail ID: bidyutpal1981 AT indiatimes.com Mobile No.: 09331983128

Objective: Seeking a position to utilize my skills and ability in your organization that offers professional & personal growth while being resourceful, innovative and flexible.

Personal Skills: Good administrative skill, comprehensive problem solving ability, excellent verbal & written communication skill, ability to deal with people diplomatically, willingness to learn and team facilitator.

Educational Qualification: M.B.A. in HRM, M. Com. in Business Administration (Specialized in Marketing) and Bachelor in Commerce.
Computer Knowledge: Basic operations of Windows 98, XP, Vista and IBM Lotus application.

Future Goal: To pursue PHD in management.

Core Competencies
Business Development
- Identifying and developing new streams for long-term revenue growth and maintaining relationships with customers to achieve repeat/ referral business.
- Utilising the public information and personal network to develop marketing intelligence for generating leads.
- Leading, training and motivating teams, ensuring their career development and positive contribution to the company.

Customer Relationship Management
- Mapping client’s requirements & providing them best home loan products / solutions; identifying prospective clients, generating business from existing clients.
- Identifying causes for dissatisfaction among customers & taking steps to over come the same.
- Analysing and planning to capture the customers from the lost sale database of the territory.
- Building & maintaining healthy relations with clients; ensuring maximum customer satisfaction for referral business and program.

Channel Management
- Identifying and networking with channel partners, developing the distribution channel, resulting in deeper market penetration and reach.
- Evaluating performance & monitoring their sales and marketing activities.
- Evolving market segmentation & penetration strategies to achieve targets.

Key Account Management
- Mapping client’s requirements and providing them customized business solutions through presentations and demonstrations.
- Identifying and networking with prospective clients, generating business from the existing accounts and achieving profitability and increased sales growth.

An Overview
Result-oriented dynamic professional with over 5 years and 5 month of qualitative experience in the multiple diversified areas of Life Insurance, Export of handicraft products, Tourism at Jodhpur, Credit Appraisal, Sales & Marketing, Accounts, Technical & Recovery, (in cities like Baroda, Pune, Jaipur, Bhilwara, Kolkata & Durgapur) for home loan in DHFL.
Previous Work Experience
Worked as a Customer Care Executive in Reliance Web World Express, Jodhpur.
Worked as a Customer Service Associate in Narrowcasters (India) Pvt Ltd at Mehrangarh Fort in Jodhpur.
Worked as a Supervisor in Cross Country handicraft factory in Jodhpur.
Worked as a Turn Over Manager in Ranbaxy Insurance Company in Jodhpur.

Professional Experience in DHFL.
(01st November 2006 – 13th March 2010)
As an Officer – Credit Appraisal
Key Highlights:
- Handling entire operations of the branch.
- Initiating and consolidating the builders and channel partners tie up.
- Organising the promotional activities.
- Overseeing functions like marketing, credit appraisal, technical, accounts and recovery.
- Managing and motivating the branch team.
- Providing excellent and fast customer services and building relationship with customer.
- Interviewing customers to know their needs.
- Processing Home Loan Applications for disbursement.
- Recommending and sanctioning the files.
- Docketing, business visits, property & site visits.
- Evaluation of credit worthiness of salaried, business class and professional borrowers.
- Scrutinizing the necessary KYC and income documentations for home loan proposals.
- Maintaining daily MIS etc.

Personal Details
Father’s Name: Squadron Leader (Retd.) B. K. Pal
Date of Birth: 24-01-81
Sex: Male
Marital Status: Single
Languages Known: English, Hindi and Bengali.
Hobbies: Philately, Numismatics and Swimming.
Strength: Full commitment towards work, willingness to learn new things, confident in myself, with positive attitude and willpower.

[Guest]

RESUME
P.SAMBASIVARAO
Mail-sambasivapotluri AT gmail.com
Objective :- To obtain the challenging managerial position in finance institutions to work for an organization where I can contribute and update my skills
Profile :- Around Seven years professional experience of Finance and credit departments in various Finance Institutions and Banks .
Highly motivated towards goal achievements always have desire to learn new things
Professionl experience :-
Working as a Credit Officer in DHFL,Guntur Branch from 20-06-2009.to Till Date.
Worked as a Credit & Appraisal Officer in DHFL ,Vijayawada Branch from 22-01-2008.to 19-06-2009.
Worked as a Team Leader –Credit Processing in “I C I C I BANK LTD “ Home Loans & Mortagage Department in RPU,ICICI Towers. 2005 -2008.
Worked as a Senior Credit Processing Associate in” I C I C I BANK LTD”–Two wheeler& Auto loans-CPA, ICICI towers, west wing, Begum pet. Hyderabad,June.2003 ToApril2005.
Academic Qualifications ;-
Master of commerce from Nagarjuna University
M.Com.,(Accounts &Finance)
Bachelor of commerce from Nagrjuna university
Professional Qualifications ;-
Pursuing M.B.A (Finance) From Pondicherry central university
Computer and Technical skills :-
Operating systems –M .S office, Oracle DBMS, SAP and ERP Packages
Nature of work in Credit operations :
Loan sanction and Disbursement, MIS Reports, Credit Reports Preparation and Coordination with Credit Manager and Area sales manager and Operations, mails approvals Taken from Business Heads, TAT (Turn Around Time), DID Maintained
Prepare credit approval memorandum on all approval loan applications providing analysis and conclusion that support a recommendation for a loan approval
Recommend and declining loan applications .if eligibility or credit problems are not resolvable, prepare amendments to change or correct item, presented in the credit approval memorandum during the loan process as necessary review of * loan commitment letters
Work in conjunction with documentation to ensure that security interests are perfected on loan collateral and contribute of loan decision making and maintenance of portfolio credit quality by providing in-depth credit analysis of loan applications
Contribute to efficient loan processing and closing by maintaining through understandings credit policy and procedures and work closely with sales people and sales force and relationship managers in evaluation with loan applications assigned for processing
Analyze the loan applications and supporting documentation provided by the applicant. Gather and prepare all supporting documents and materials necessary to thoroughly document loan applications.
Spread financial statements and make interpretive analysis of loan applications financial and operating conditions. Credit policies and procedures shared and understood by all policies concerned is invaluable when the proper ways of collecting and analyzing credit information have been mastered and full confidence .in making credit decisions is achieved
Credit needs to evaluate risk and rewards on the entire customer portfolio, we facilitate this lending by finding potential clients and assisting them .in applying for loans we also gather personnel information about clients and business to ensure that an informed decision is made regarding the credit worthiness of the borrower and the probability * of repayment .we begins the process of analyzing and verifying the information on the application to determine the clients credit worthiness, loan may be provided that otherwise be denied if the customer loan provide the lender with appropriate collateral property pledged as security for the repayment
Development of the credit policies and procedures to improve the inefficiencies the controls setting and review of the credit limits and terms with customers and establishing terms with new customers through appropriate financial analysis.

[himanshupadhii@gmail.com]

Himansu Sekhar Padhi
Email : himanshupadhii AT rediffmail.com

Sub : Career in Your Organization
I am currently seeking a new appointment and writing to enquire whether your organisation is interested in someone with my background, experience and qualifications.
I take this opportunity to introduce myself as a qualified Chartered Accountant of the May-2011 batch under The Institute of Chartered Accountants of India (ICAI).
Your organization operates in a professional, dynamic and vibrant environment. Moreover I am absolutely sure that there would be extremely challenging and growth oriented career opportunities existing in your organization. All this positively inspires me to explore an appropriate joining with your company.
I can assure you that my experience & qualification accompanied with the knowledge and skills acquired during my training period would enable me to make a meaningful contribution to your organization.
I have attached my Curriculum Vitae for your perusal and look forward to an opportunity of meeting you.

CAREER OBJECTIVE
- To work in the industry that develops synergy between technology, systems & human resources that meets quality & performance.
- To get exposure on work, scope for learning & dimensions to expand.
WORK EXPERIENCE
April 2010 to Till date
Senior Audit Representative with Yash & Associates, Kolkata
Job Profile
- Conducting tax, statutory and internal audits,
- Evaluating internal control systems to highlight shortcomings & implement corrective actions.
- Preparing Audit Reports and making recommendations in order to ensure that accounts are prepared and maintained in conformance to statutory requirements.
- Supervising and reviewing the audit works of article and audit clerks,
- Finalization of Financial Statements of Manufacturing Companies, Trading Companies, and Finance Companies.
- Handling Taxation matter of Companies, Individual and charitable institutions.
- Leading Audit Executives & Allocating works to them.
- Statutory Audit of clients like Cci Logistics Ltd,Tirupati Asset Ltd.Tirumala Project Ltd
- Tirupati Groups of Co.

Achievements
- Was given independent responsibility to interact with clients.
- Preparation of audit programs and its implementation.
- Achieved the targeted billing before the due time.
April 2007 to March 2010.
As Audit article with M/S B.Mukherjee & Co, Kolkata,
Key Responsibilities
- Involved in Statutory Audits, Internal Audits and Tax Audits in various Company, Bank, Firm, School, College, and Charitable Institution etc.
- Involved in income tax matters of Individual, Company, Firm, and Charitable Institution. The other areas I have dealt include Excise Duty, Customs Duty, Sales Tax, E.S.I., and P.F.
- I interacted with clients to understand and meet their expectations, which helped me in understanding business from management’s perspective.
- Internal Audit of KALPENA PLASTICS LTD, BSNL,BEML LTD.KARNATAKA SHOP MILL LTD Etc
June 2006 to March 2007
As Audit Assistant with M/S. SRB & Associates, Bhubaneswar
Key Responsibilities
During this period I had visited different companies for various assignments which provided me with a varied and in-depth knowledge about working of various industries, relevant accounting practices and operational activities thus helping me to get a practical view of the academic knowledge that I have learnt through my professional studies.
A brief summary of Job Profile wherein I was involved is given herewith :
- Vouching, Verification, Ledger Scrutiny, Audit Query Discussion, Report Writing.
- Exposure to various Accounting, Auditing, and Secretarial & Taxation works.
- Computation of Total Income of Individuals, Firms, Companies, Trusts & Filing.
- Finalization of Accounts of Companies, Partnership and Proprietorship.
QUALIFICATIONS DETAILS
Professional Qualification :
- CA (Final) in May 2011 (Institute of Chartered Accountants of India).
- Completed 15 days of training on General Management and Communication Skills (GMCS) conducted by ICAI.
Academic Qualification :
- Graduated (B.com-Hons) In 2002 (Fakir Mohan University).
- M.Com In 2006 (Bhadrak (Auto) College
COMPUTER EXPOSURE
Well conversant in Word, Excel.
Proficient with Windows based Accounting packages, Tally.
Free hands on Internet.
LANGUAGES KNOWN
Good command over English, Hindi, Oriya and Bengali
ATTRIBUTES
- Hard working, enthusiastic and upright attitude.
- Innovative nature with the confidence to achieve targets.
- Quick learner who can rapidly master all aspects of job with limited training.

[Guest]

RESUME
MAMTA BHATIA
Email id : nickmamta.85 AT gmail.com
Objective :
I look forward to a career that provides me an opportunity to continuously improve my knowledge and personality in a challenging work atmosphere and by working in teams with people having diverse capabilities and personalities. In the long run I would like to make a meaningful contribution to my organization and to the society.
Strengths :
Positive attitude, Strong interpersonal skills, Team player, willing to learn, Open to changes, Sincere & Honest.
Work Experience :

Worked with ICICI Bank for last 3 years and 11 months at CSPB in Loans & Investment Department.

Job Profile :
To give the complete solution to clients with their requirement and query with regards their relationship with the bank.


SUMMARY OF SKILLS & EXPERIENCE
ICICI Bank Ltd .
(At Present working with above-mentioned company)
( Retail Loans) in the Debt Service team (DSMG)
- Responsible for providing service of loans (Secured and unsecured Loans)
- Dealing with the Delinquent Customer to resolve their service related issue and settlement of delinquent accounts, checking & handling CIBIL related issue
- Compiling and analyzing data for monthly management Loan Loss Reports to measure delinquent Acc.
- Briefing the agents and executive on any new updates/changes about the process
- Assessing customer feedback, evaluating areas of improvements & providing feedback to the associates on improvements and achieving customer satisfaction matrices
- Attaining the service and providing support to the field executive and agency team by coordinating with local Collection Manager and Agencies at PAN level for collection from delinquent customer & Maintaining reports, MIS for weekly meetings and monthly review.
- In case of high Call-Flow in the skill, We take the task of satisfying the customers and do the cross sell of bank products e.g. CASA and LOANS.

Educational Qualification :
ü T.Y.B com. Passed from Mumbai University in the year of 2005
ü H.S.C. Passed from Mumbai University in the year of 2002
ü S.S.C. Passed from Mumbai University in the year of 2000

Technical Qualification :
i) Basic in computer
ii) I have passed Typing exam with the speed of 50 w.p.m.
iii) I have passed shorthand with the speed of 60 w.p.m.