PURAN PRASAD POUDEL
Burwood,NSW
Summary
Accomplished banking and finance professional with 11+ years in branch management, credit underwriting, and customer service. Currently, looking to pursue a Master of Finance and seeking a part-time role in finance, accounting, or administration related roles. Skilled in financial analysis, Excel, SPSS, and known for strong teamwork and communication abilities. My long term career aspiration is to reach in the position involving strategic financial decisions and creating positive impact on the financial position of the company I would be involved in.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Branch Manager
Nabil Bank Ltd
Bharatpur, Nepal
06.2021 - 06.2024
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Reviewed financial statements of the Business Account and related documents of both retail and business loan accounts
- Reviewed the cash flow in the loan accounts, delinquency in repayment of loans, supervised follow up staffs for recovery.
- Supervised administrative tasks conducted by Branch admin and liaised with Head Office Admin to carry out administrative requirements
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Ensured compliance with central bank regulations maintaining sound asset quality, and upholding high operational standards
- Fostered a motivating work environment, developing a career-oriented professional team, and providing leadership
- Collaborated with external stakeholders as needed
- Budgeting and reviewing performance with budget periodically
Credit Underwriter
Nabil Bank Ltd
Kohalpur, Nepal
07.2020 - 06.2021
- Underwriting the credit proposals related with Retail, SME, and Mid-Corp accounts in accordance with regulatory norms and bank guidelines
- Advised branches on credit requests and resolved issues during credit appraisal.
- Played a key role in maintaining a high-quality loan portfolio, minimizing defaults and maximizing returns for the organization.
- Achieved a high level of accuracy in analyzing credit applications, resulting in well-informed lending decisions and reduced financial risk.
- Reduced risk exposure through diligent evaluation of applicants'' creditworthiness and recommending appropriate credit limits.
- Analysed on the financial projections and forecasts of the business theoretically as well through practical benchmarks.
- Researched macroeconomic, industry and company-specific data to inform investment decisions.
Relationship Officer
Nabil Bank Ltd
Kohalpur, Nepal
01.2020 - 07.2020
- Conducted credit appraisal for SMEs, Mid-Corporate, and Retail lending
- Gathered market insights for effective marketing strategies, building a strong credit client pipeline
- Managed loan repayment adherence, minimizing non-performing assets
- Tracking of the loan renewal timeline and following up for timely renewal of revolving credit facilities.
- Increased loan approvals by diligently assessing creditworthiness and recommending suitable lending options.
- Screening of the financial statements of the clients and recommending for the appropriate credit structure.
- Follow up of delinquent loan accounts in different modes.
- Assumed a key role as an alternative to the branch manager.
Assistant Relationship Officer
Nabil Bank Ltd
Kohalpur, Nepal
07.2017 - 01.2020
- Marketed loan products and conducted credit appraisal for retail and business lending
- Involved in branch trade finance functions, including taking request for documentary credit and bank guarantee from the clients. Further, coordinated with central trade finance office to complete the customer request for the trade finance services.
- Carried out credit administrative functions such as preparation of legal contracts, inspection and mortgage deeds
- Supported senior relationship officers in managing high-value accounts, contributing to overall customer retention rates.
- Maintained up-to-date knowledge of industry trends and competitor offerings to better serve clients.
Assistant Relationship Officer Remittance
Nabil Bank Ltd
Kathmandu, Nepal
03.2016 - 07.2017
- Led remittance business marketing efforts, including Nabil Remit, Western Union, and Easy One Accounts
- Managed relationships with correspondent banks for inward remittance
- Successfully expanded the agent base, resolved grievances, and gathered continuous feedback for service improvement
- Conducted customer feedback surveys and promotional programs for domestic and international remittance promotion
- Deputed to South Korea as a Marketing Executive, working with KEB Hana Bank to grow remittance business. The deputation included 3 terms including the period from 22/04/2016 - 18/07/2016, 14/10/2016- 09/12/2016 and 17/03/2017- 13/06/2017.
Assistant- Cash/ Remittance/ Customer Service
Nabil Bank Ltd
Nepalgunj, Nepal
12.2012 - 03.2016
- Handled cash and remittance functions, including payment processing, deposits, foreign exchanges, ATM operations, and issuing drafts/ SWIFT messages.
- Provided excellent customer service, supported the customer in solving their problems and enhanced knowledge on various products and services offered by the bank.
- Handled customer grievances and referred for higher officials if required.
- Involved in the clearing and settlement of the clearing transactions.
- Onboarding of new accounts, issuance of cheque, ATM and carrying other necessary jobs required in daily account operations of the clients.
- Conducting thorough KYC of the clients and taking care of the AML/CFT while onboarding new accounts.
Education
BBA - Finance And Marketing
Oxford College of Engineering & Management
Pokhara, Nepal10.2012
Higher Secondary -
Doveton Corrie Boys Hr. Sec. School
Chennai, Tamilnadu03.2008
School Leaving Certificate -
Ram Janaki Boarding Ma Vi
07.2006
Skills
- Financial Analysis
- Excel, SPSS
- Teamwork
- Administrative
- Communications
- Credit Analysis
- Underwriting
- Customer Relationship Management
Certification
- JANBI Certification by NBI
- Certificate of Participation at Microsoft Workshop Program
- Training on Gain and Retain KFA
- Training on Banking Operations by NBI
- Certificate in SME Lending by Moody's Analytics
- Training on Basic Credit Risk Management by NBI
References
- Amit KC, Cluster Head, Nabil Bank Ltd, amit.kc@nabilbank.com, +9779851102490
- Ashish Singh, Manager- Credit Control, Nabil Bank Ltd, ashish.singh@nabilbank.com, +9779841261288
Timeline
Branch Manager
Nabil Bank Ltd
06.2021 - 06.2024
Credit Underwriter
Nabil Bank Ltd
07.2020 - 06.2021
Relationship Officer
Nabil Bank Ltd
01.2020 - 07.2020
Assistant Relationship Officer
Nabil Bank Ltd
07.2017 - 01.2020
Assistant Relationship Officer Remittance
Nabil Bank Ltd
03.2016 - 07.2017
Assistant- Cash/ Remittance/ Customer Service
Nabil Bank Ltd
12.2012 - 03.2016
BBA - Finance And Marketing
Oxford College of Engineering & Management
Higher Secondary -
Doveton Corrie Boys Hr. Sec. School
School Leaving Certificate -
Ram Janaki Boarding Ma Vi