Banking Professional with 17+ Years of Experience in Credit, Operations and Loan Management
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High-energy driven professional with overall experience of Banking more than 15 years. Preparation of credit proposal & credit analyses of borrower. Case recommendation and sanction. Appraise or underwrite Loans within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority.
Conduct personal discussion with client with intent to understand and analyze associated risks in the business and financial standing of the client. Managing the overall decisioning TAT to have an excellent customer experience. Ensure complete adherence to laid down policy and procedure.
Process discipline demonstrated by satisfactory audit reviews. Prepare and maintain MIS covering all aspects of the credit process and proposal and circulate to authorities on timely basis. Work in a cross-functional, global team, effectively sharing knowledge.
Responsible for Financial analysis on various factors like Financial Position, Project Report, Projections, Past repayment Credit history, CIBIL Report, Market feedback and evaluation of different financial aspects & based on that decision making/sanctioning of Retail and Commercial Business Loans.
Sr. Clerk / Branch Operations - The Shirpur Peoples Co.Op.Bank Ltd. - Shirpur
(2009-04 - 2016-09)
It's a Leading Co-Op. Bank In Khandesh, and All Over Eight Branches in Khandesh. It Has More Than 850 Corers Business mix. It's a Fully Online with ATM Support & Using Leading Software of Core Banking Made By Infosys (Finacle Core Banking 7.0.25)
Manager (Banking, Loan And Administration) - The Nandurbar Merchants Co-Op Bank Ltd. - Head Office-Nandurbar
(2016-09 - 2018-08)
It's a Reputed Co-Op. Bank In Nandurbar & Dhule District, With Five Branches. It Has More Than 650 Corers Business Mix. Its a Fully Online with CBS Support & Using Trust Bank Core Banking Software & Its a Fully Online with ATM Support
Sr. Officer (Loan Dept.) - The Shirpur Peoples Co.Op.Bank Ltd. - Nashik Branch
(2018-08 - 2021-09)
Asst. Manager - The Nashik Merchants Co.Op.Bank Ltd. - NAMCO Bank - Niphad Branch
(2021-10 - 2022-07)
Officer -M0 (Credit Dept.) - TJSB Sahakari Bank Ltd. - Sharanpur Road Branch.-Nashik (Br.Size 550.00 Cr)
(2022-07 - 2023-10)
Asst. Branch Manager (Credit & Operations) - SVC Co-Operative Bank Ltd - Branch.-Jalna (Br.Size 450.00 Cr.)
(2023-10)
B. Com - Commerce - North Maharashtra University Jalgaon (2008-03)
H.S.C. - Commerce - HSC Board Maharashtra (2003-03)
