1. Murugan Babu TMurugan Babu T
Mobile: +91 94432 09814Mobile: +91 94432 09814
E-Mail: muruganbabu.t@gmail.com /E-Mail: muruganbabu.t@gmail.com / muruganbabu_t@yahoo.co.inmuruganbabu_t@yahoo.co.in
Seeking senior level managerial assignment in Banking Sector.
PROFESSIONAL SYNOPSIS
 A dynamic banking professional with over 21 years of rich experience in Credit Administration,
Profit Centre Operations, Branch Administration, Banking Operations, Client Relationship
Management & Team Management.
 Presently associated with ICICI Bank Limited, in the grade of Chief Manager heading the
Salem Region as Regional Head-Sales for Enterprises Credit (Priority Sector Lending)
 As Branch Head in Canara Bank, headed medium and big branches, taking care of Assets,
Liabilities and Other services of Retail as well as Corporate Banking.
CORE COMPETENCIES
Credit Administration
 Verify comprehensive business credit applications/CMA with detailed business model prepared by
Credit Sales Managers, financial and credit risk analysis for new credit proposals / Annual renewal
on timely basis.
 Develop assets portfolio by establishing new corporate relationships and leverage existing
relationships to scale up business volumes, within the credit parameters as set up by the bank.
 Enhance overall revenues from different business line of the bank (Trade, term loans, Forex,
investment banking products, arranger deals, refinancing).
 Identifying credit strengths and challenges, understanding inherent business risks, conducting a
detailed risk assessment through the use of credit risk rating models and recommending suitable
risk mitigants.
 Preparation of term sheets for discussions with clients and negotiations
 Gather all the required information that is needed to prepare and assess credit applications.
 Running the notes with Risk, compliance, other support groups and presentation to the
committees.
 Control the quality of the portfolio, using available triggers and adherence to Risk management
guidelines and policies
 Analysis of financial statements, assessment of credit requirements, preparation of proposals for
sanction and presentation to various sanctioning authorities and obtain sanctions in lesser TAT.
 Completion of post sanctions activities like documentation, security creation, limit set up and
disbursement at fast TAT.
 Monitor credit risks in the portfolio through regular customer contacts, client visits, market
feedback, covenant compliance and security documentation.
 Monitoring of existing accounts for conduct, end use, credit summation, timely payments &
recovery of interest / installments, review, covenants compliance plant visit, renewal &
modification of credit facilities in line with business requirements of the borrower.

2.  Ensuring healthy asset portfolio, identifying early warning signals and taking corrective measures,
follow up and recovery of over dues and initiating appropriate recovery measures like personal
contacts, CDR, DRT and legal methods like filing money and mortgage suits, filing EP and recovery
through SARFAESI Act etc.
 Identify opportunities with existing customers and solicit new relationships. Research, create and
follow up a target list for potential new business.
 Resource mobilisation through corporate deposits – guiding team member for coordination
between treasury, operations and clients for building a strong liquidity portfolio.
 Manage customer complaints and address these to mutual satisfaction of customer and the Bank.
Trade Finance Sales and Operations
 Heading a team that sources the business of Letter of Credit (Issuance / Advising / Confirmation /
Negotiation), Bank Guarantee, Other Trade Credits, Remittances, Buyers Credit and Suppliers
Credit etc.
 Understanding the nature of business, identify business opportunities and offer the appropriate
trade products to corporate and MNC clients.
 Overseeing end to end trade finance operations for the branch – Document checking, LC / BG
issuance and amendments, remittances etc and liaise with centralized operations teams to handle
the transactions within specified TAT for various products / clients.
 Possess sound knowledge of FEMA, RBI and ICC guidelines, SWIFT, Inco-Terms 2000, 2010, UCP
600, ISBP 98, URDG 758, URC 522, URR 725 etc and managing diverse initiatives such as process
refinements, expenses reduction etc on an ongoing basis and staying up to date with domestic and
international trade guidelines and regulations.
 Management of trade portfolio including buyer’s credit, export bill discounting, trust receipts.
Profit Center Operations
 Establishing short / long term budgets in tune with the Bank strategies for achieving business
targets.
 Business planning, forecasting and analysis for assessment of revenue potential in business
opportunities.
 Containing and managing the operating expenses and showing the targeted level of productivity,
profitability and house keeping.
 Managing the Operational risk by efficient identification and effective mitigation process.
 Coordinating with various verticals like credit, risk, treasury and central operations teams for
timely servicing the clients.
 Ensuring complete compliance of KYC and AML guidelines, completion of audit reports in stipulated
time frame.
Client Relationship Management
 Managing customer centric banking operations. Ensuring customer satisfaction by achieving
delivery & service quality norms.
 Identifying gaps in client servicing and taking appropriate steps to address the issues related to
customer service. Monitoring the customer service level through frequent personal visits to clients,
interacting with them on continuous basis.

3. Team Management & Competencies
 Leading, mentoring & monitoring the performance of team members to ensure efficiency in process
operations and meeting of individual & group targets.
 Creating and sustaining a dynamic environment that fosters development opportunities and
motivates high performance amongst team members.
 Good communication and presentation skills, negotiation skills with ability to interact with people
at various levels of the organization and outside environment, strong relationship management
skills.
 Leverage every customer interaction as an opportunity to make an impact.
 Consistently seek to understand customer needs.
 Build structures, systems and processes to support the strategy.
 Mobilize stakeholders behind the change agenda.
 Constantly seek new ways of doing things.
 Anticipate next business horizon, ahead of competition.
ORGANISATIONAL EXPERIENCE
Since Apr’08 with ICICI Bank Limited as Chief Manager
Growth Path / Assignments handled
Sept’14 to till date - Regional Head-Sales for Enterprises Credit (Priority Sector
Lending) Sourcing of credit proposals, appraisal, sanction, documentation, security creation,
disbursement, follow up and recovery, renewal, credit monitoring and ensuring quality of
advances portfolio.
May’09 to till Sept’14 - Head of Commercial banking Branch (sourcing of new corporate
clients, credit assessment, trade finance sales & operations, CMS, on-boarding corporate and MNC
clients for various tech initiatives and client relationship)- presently located at Salem, Tamil Nadu.
Apr’08 to Apr’09 - Head of Retail Banking Branch (Retail Assets, Liabilities and fee
income generation) at ICICI Bank, Coimbatore
Key Deliverables
 Responsible for reaching the region’s target under Priority Sector Lending. Ensuring quality of
credit portfolio and timely renewals.
 Responsible for generating business for various Commercial banking products like Credit, Forex,
CMS, Fee generation, CASA deposit growth, Trade transactions and corporate client servicing.
 Credit sourcing and sanctions, credit delivery and transaction banking for corporate customers.
 Starting new and nurturing existing corporate relationships.
 Sales and Operations of Trade finance products, remittances, documents scrutiny, client servicing
within TAT.
 Extending Cash Management Services to the clients through integrated Payment and Collections
solutions, offering other tech initiatives to corporates.
Notable Accomplishments

4.  Reached the annual budget for the region under PSL within 5 months of taking charge as Regional
Head-Sales
 Ranked among top 10 performers under RHs category across the country for YTD disbursement
and Balance Score Card
 Successfully set up Commercial Banking branches at Coimbatore and Salem
 Handled large corporates like TVS Group, Pricol Ltd, Elgi group, Bannariamman Group and MNCs
like Hansen Drives, TLT Babcock, Weg Industries etc and have structured various trade and credit
deals for them.
Mar’95 – Mar’08 with Canara Bank ( Joined Canara Bank as Probationary Officer on
16.03.95)
Growth Path / Assignments Handled
Aug’07 – Mar’08 - Branch Manager, Canara Bank, Mangalapatti, Tamil Nadu.
May’04 – Aug’07 - Branch Manager, Canara Bank, Pasur, Tamil Nadu.
Jul’03 – May’04 - Officer, Modakurichi, Tamil Nadu (Advances Portfolio)
Jul’00 – Jul’03 - Officer, Hathras, Uttar Pradesh (Advances Portfolio)
Mar’95 – Jul’00 - Agricultural Extension Officer – Kasargode, Kerala
(Semi Urban Branches and Small and Medium Advances)
Key Deliverables
 Achieving the pre-set targets under various parameters of retail banking like deposits growth,
advances and retail banking services.
 Project appraisal, sanction, documentation, security creation, disbursement, post sanction follow
up of credit portfolio.
 Responsible for cash management, vigilance and control over all operations of the branch.
Notable Accomplishments
 Achieved ZERO - NPA level in 2004 and maintained it for more than 4 years while reaching a
growth of more than 400% under credit portfolio.
 Received many appreciation letters from the Bank’s senior management for achieving targets at
different branches.
PROFESSIONAL CERTIFICATIONS
 CAIIB
 Certificate in Trade Finance by IIBF
 NCFM Certificate in Depository Participation Module
 IRDA Certified Insurance Advisor
 AMFI Certified in Advisors Module – Mutual Funds
QUALIFICATIONS
2008 Masters Degree in Business Administration (MBA) – Finance (Distance Learning) from
Madurai Kamaraj University, Madurai.
2001 Diploma in Management from IGNOU, New Delhi.
2001 Diploma in Computer Applications from NIIT, New Delhi.
1993 B.Sc.(Ag) from Tamil Nadu Agricultural University, Coimbatore.
PERSONAL DETAILS

5.  Date of Birth : 20th
November 1971
 Languages Known : Tamil, English, Hindi, Malayalam ( All to read, write and speak )-
 IT Skills : MS Office and Banking Software
 Contact Details : Mobile – 09443209814
Email – muruganbabu.t@gmail.com

6.  Date of Birth : 20th
November 1971
 Languages Known : Tamil, English, Hindi, Malayalam ( All to read, write and speak )-
 IT Skills : MS Office and Banking Software
 Contact Details : Mobile – 09443209814
Email – muruganbabu.t@gmail.com