Vandana Upadhyay

Officer

• Job Details:Conducted thorough evaluation of loan applications, performed documentation, and analyzed balance sheets for effective decision-making. Issued loans up to 10 crores for small and 50 crores for medium enterprises. Assessed creditworthiness of individuals or businesses applying for credit. Managed a rural branch, addressing their needs through education on government products related to banking, fostering financial literacy in the community. Handled routine transactions such as deposits and withdrawals and assisted customers with account-related inquiries. Conducted thorough inspections of housing loans within the bank to ensure accuracy and compliance with loan specifications. Conducted end-to-end KYC and customer due diligence during account opening and periodic review processes for retail and corporate clients. Ensured strict adherence to RBI and internal compliance policies. Verified identity and address documents using internal tools and third-party databases. Managed customer onboarding and document scrutiny. Participated in internal audits and resolved KYC discrepancies flagged during branch inspections.