ASHOK K TALWAR

105 Drury Circle,

Sterling, VA 20164
Phone: (703) 404-0068
Email: at68dcb2@westpost.net

An Ex-Banker with 35 years of experience in Banking, with special emphasis on Cu

stomer Service, Administration and marketing of Banking products, now authorized
to work in United States, seeks placement in Accounting, Administration or Sale
s and Marketing

Work Profile:
Manager (MMG Scale III)
United Bank of India, New Delhi: May 2000 - May 2001 (Voluntary Retirement)
Managed a Large Scale Branch where I was responsible for overall development of
Branch business, and supervising performance of department heads working under m
e. I was the sanctioning authority of all the Loans and Advances within the dis
cretionary powers of the Branch Manager. The Branch registered an increase of 5
0% in the Deposits within the span of one year of my attachment with the Branch.
I was instrumental in recovery of Non Performing Assets of the Branch by recom
mending waivers and write offs in deserving cases.
My duties included development of fresh business of the Branch by reaching out t
o potential customers, arranging Banker Customer meet to redress grievances of c
ustomers.
Assistant Regional Manager
United Bank of India, New Delhi: January 1996 - November 1998
I worked as an Assistant Regional Manager (North India Region), where it was my
responsibility to provide consolidated development related data to the Head Offi
ce in Kolkata. I directly supervised the development of 45 Branches in the Regio
n. I also conducted Preventive Vigilance inspections of Branches. Having attend
ed various Head Office and RBI inspections while being in office as Deputy Manag
er and Manager, I am well aware of the inspection and Audit procedures.
Manager (MMG Scale II)
United Bank of India, New Delhi: February 1988 - May 2000
My responsibilities included development of new business for the Branch in Depos
its section as well as in advance section. I was overall in-charge of the Branch
and supervised the performance of Deputy Manager and various departmental heads
of the Branch. I was responsible for sanction and follow up of Loans and Advan
ces. The Branch under my control was a Retail Business Branch with huge cliente
le of Pensioners, who required special attention for fixation, commutation and r
einstatement of commuted pension. My efforts were specially appreciated by my h
igher authorities as I brought the Branch to the level of "No Complaints Branch
" from its hitherto "High complaints Branch" status.
Deputy Manager (JMG Scale I)
United Bank of India, New Delhi: June 1979 - February 1988
The responsibilities of Deputy Manager included in house Administration, joining
of Staff and allocation of duties to them in different departments. I was in ch
arge of Cash of the Branch jointly with Head Cashier, and maintained Cash Balanc
e Register along with its reconciliation with books of accounts. My other resp
onsibilities included supervision of branch Officers and assisted them in openin
g and servicing of all types of deposit accounts, processing applications of Tra
ditional Advances, Locker Accounts and General Ledger Account's supervision, pre
paration of Balance Sheet, Profit & Loss A/C.
Officer Grade I
United Bank of India, New Delhi: October 1976 - June 1979
Responsibilities included: Deposits (Savings, Current, Term Deposits), Outward/I
nward Clearing, Bank Account RBI (with reconciliation), Bills Forwarding and Col
lection, Remittances.
Cashier/Head Cashier
United Bank of India, New Delhi: August 1966 - October 1976
As Head Cashier, I was in charge of Cash jointly with the Deputy Manager of the
Branch and my responsibilities included all aspects of Cash Management, i.e., ha
nding over Cash in the beginning of the day and taking Cash from Cashiers at the
end of the day, along with receiving and paying Cash of high value. Maintainin
g Cash Chest with Cash Balance Book duly reconciled.
Education
Bachelor of Arts, University of Delhi
Subjects studied: Accounting, Finance, Economics, Political Science, English, an
d Hindi

Professional Qualification
Certified Associate of Indian Institute of Bankers (Part 1) Certification: India
n Institute Of Bankers, Mumbai.
Subjects Studied:
1. Practice & Law of Banking
2. Economics
3. English Composition
4. Book Keeping & Accounts
5. Economic Geography
Licensed Insurance Agent from Insurance Regulatory and Development Authority
I have been working for about six years as a freelance Life Insurance Agent.
Additional Qualification:
I have a thorough knowledge of MS Office products.