SUBIN THAPALIYA

EXPERIENCE
1. October 2019 to till date: Relationship Manager in Muktinath Bikash Bank, Branch Office Besishar Lamjung )
Major Responsibility:
1. Review and analyze loan application form individual and business to determine their creditworthiness and risk level.
 Recommend approval or rejection of loan applications.
 Reviewing and analyzing financial statements, tax returns, and other relevant documents to determine the risk of lending money to a borrower.
 Assess the borrower’s ability to repay the loan, using tools such as credit reports, financial statements, and personal or business tax returns.
 Monitor the performance of loans and take necessary action to ensure timely repayment.
 Work with borrowers to restructure loans or modify payment terms if necessary.
 Keep track of the branch’s overall loan portfolio to ensure it is well-managed and in compliance with regulation.
 Collaborating with other departments within the bank, such as the risk management department, to identify and manage credit risk.
 Support to other departments within the bank on credit-related matters.
 Staying up-to-date with NRB guideline, economic, banking industry trends in order to make informed credit decisions.

Additional Roles & Responsibility
 Build and maintain strong relationships with customers, understanding their financial needs and providing suitable solutions.
 Engage in personalized customer interactions to enhance customer satisfaction and loyalty.
 Conduct market research to identify opportunities for new products.
 Utilize digital marketing channels to reach a broader audience and promote banking products.
 Work towards achieving sales targets set by the bank, including acquiring new customers and meeting specific sales goals for various products.