Rashmi Sinku

Experienced financial professional with a strong background in risk assessment, credit analysis, and client relations. Proven track record of facilitating approval processes, ensuring compliance with banking regulations, and maintaining accurate records. Highly organized and detail-oriented, with excellent communication skills and the ability to adapt to changing environments.

August 2021 - October 2022

KYC/CDD & Credit Risk Analyst in Home Loan State Bank of India, Mumbai, India

• Conducted comprehensive client identification and verification by gathering and processing legal and financial documents and information.
• Analyzed and evaluated KYC information for business banking clients, ensuring compliance with internal policies and regulatory requirements.
• Maintained and improved the accuracy and completeness of the system of record, overseeing the collection and retention of data.
• Evaluated borrowers' creditworthiness based on income documents and information provided by them.
• Validated customers' businesses and legitimacy, analyzing any transactions that appeared unusual based on the customer's profile.
• Gathered required documents and data, ensuring compliance with anti-money laundering policies and guidelines.
• Documented research and analysis conducted, including risk determination in compliance with KYC standards.
• Analyzed property documents and valuations to ensure legal validity, based on reports from empanelled advocates and valuer.
• Processed loan applications in line with the bank's credit policy and ensured compliance with banking regulations.
• Maintained a TAT of T+3 in processing home loan files and completed home loan documentation and mortgage processes.

• Major Contributions- Part of the team to be in top three loan processing cell in Mumbai metro circle, major Contribution in increasing the home loans disbursement by 35%, nil non-performing assets out of the total loans processed by me

Assistant Manager- CRM Nodal Officer, Home Loan Counsellor Coordinator & SME Marketing Executive State Bank of India, Mumbai, India

Customer Relationship Management (CRM) Nodal Officer

• Identifying Customer's needs and ensuring lead conversion
• Mitigating escalated customer issues
• Coordinating with branches to meet customer's demands
• Ensure timely, accurate and satisfactory solutions are provided to the branches

• Accomplishments of home loans business of Rs. 30.00 Cr every month
• Coordinating with all home loan counsellors
• Analyzing the financial status of the borrower to determine the eligible loan amount
• Ensuring timely conversion of home loans.

SME MARKETING EXECUTIVE

• Generating new business leads.
• Promoting MSME Customers for small business loans
• Coordinating with the assessment and sanctioning team for sanction of the business loans

increase in number of shares of loans availed by the MSME customers

December 2017 - July 2020

KYC/CDD & Credit Risk Analyst in SME Credit State Bank of India, Mumbai, India

• Conducted due diligence on customer accounts, including EDD/CDD/Compliance, as part of client onboarding process.
• Identified high-risk borrowers by analyzing information from outsourced agencies and branches, and implemented enhanced due diligence and monitoring efforts accordingly.
• Managed a credit portfolio of Rs. 210.00 Crores for corporate clients, and implemented credit rating for these clients.
• Analyzed and appraised Fund Based (FB)/Non-Fund Based (NFB) Proposals, and evaluated creditworthiness and risks involved.
• Calculated various financial ratios to ensure they were in line with bank policies and hurdle rates.
• Assigned risk ratings for all clients using an internal rating model.
• Worked with Relationship Manager on new client onboarding, underwriting, credit reviews, and annual renewals of existing credit facilities.
• Monitored and mitigated major and critical risk issues.
• Completed loan documentation and mortgage.
• Built strong relationships with existing and new SME customers.
• Supported Relationship Manager in identifying new business opportunities and prospecting target clients.

• Major Contributions- Increase in share of credit portfolio to 40%, funded startups like Zoomcar, Bewakoof Brands Ltd., Paix Technology Pvt Ltd.

Probationary Officer State Bank of Patiala now State Bank of India | Bhubaneswar, Baramati & Mumbai

• Generating new business leads and ensuring lead conversion
• Meeting customers' demands on time
• Resolving customers' issues
• Major Contributions- Timely conversion of loans and resolving customer issues, building strong relationships with the existing and new customers

Technical Expert Gujarat State Watershed Mgmt. Development Agency | Navsari

• Preparing strategic and annual action plans for watershed development projects and executing in Navsari district
• Providing support to Project Implementing Agencies (PIAs) in planning and execution of watershed development projects
• Carrying out regular monitoring and evaluation
• Training & Team Management- Developing action plans for capacity building with close involvement of resource organizations to execute the capacity building action plans, facilitating Co-ordination with different organizations with Watershed Development projects for enhancement of productivity and livelihood
• Major Contributions- Increase in Livelihood of villagers residing in interior areas of Navsari district, Increased women participation through forming Self Help Groups (SHGs)

Intern United Nation Development Program | Pune, India

• Develop brochures for the completed projects
• Develop Business Plan for the one of the farmers producers company named “Baliraja Farmers Producers Company” based in Ahmednagar District

2013

Post Graduate Diploma in Forest Management

• Indian Institute of Forest Management, Bhopal- [Development] Graduate

Bachelor in Business Administration

Balaji College of Arts, Science, Pune, India - [Finance] Graduate