Akash Gadhe
Aurangabad
Summary
Experienced Deputy Manager of Finance with background in overseeing financial operations, greenfield credit lending and conducting comprehensive financial analysis. Strong analytical skills coupled with proven abilities in strategic planning and problem-solving. Conduct single handed credit enquiries and due diligence activities. Furnish pro's and con's of credit proposals to assist decision making. Utilize strong leadership skills to lead teams effectively, driving efficiency and productivity.
Overview
6
6
years of professional experience
Work History
Deputy Manager of Finance
Saraswat Bank
Aurangabad
11.2018 - Current
- Handled more than 250 commercial credit proposals in the last 6 years.
- Conducted market enquiry and credit analysis of new greenfield projects.
- Conducted financial analysis to assess loan eligibility and risk factors, contributing to informed lending decisions.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Conducted preliminary assessment of applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
- Conducted risk assessments on potential loan applicants to assess creditworthiness.
- Investigated fraudulent activities by analyzing account transactions and identifying suspicious patterns.
- Reviewed credit reports and financial information to evaluate the creditworthiness of applicants.
- Explained the various types of loans available and advised on the best product suited for customer's needs.
- Monitored progress of each loan application from start to finish ensuring timely completion.
- Promoted finance products to customers and sales force to increase penetration.
- Adhered strictly to bank's policies when completing tasks associated with loan processing duties.
- Maintained complete confidentiality of submitted information according to release guidelines.
- Performed detailed credit analysis to assess borrowers' ability to repay loans.
- Advised borrowers on financial status and payment methods suitable to their financial capability.
- Identified potential issues in loan files and worked with team members to devise solutions.
- Reviewed and verified loan application documents for completeness and accuracy.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Developed relationships with businesses and offered customized lending solutions.
- Negotiated terms, interest rates, repayment plans and other elements of commercial loans.
- Educated customers on variety of loan products and available credit options.
- Developed and deepened customer relationships by providing exceptional service at all stages of underwriting process.
- Stayed abreast of lending regulations, industry trends and market rates.
Education
JAIIB - Banking And Finance
Indian Institute of Banking And Finance
Mumbai 03-2022
BE Mechanical - Mechanical Engineering
Pravara Rural Engineering College
Loni07-2014
Skills
- Financial statement review
- Credit risk
- Financial forecasting
- Market trend analysis
- Credit analysis
- Risk assessment
- Credit decision making
- Credit risk assessment
- Underwriting
- Relationship management
Achievements
- Awarded Star Performer for FY 2023-24.
- Qualified for Performance Incentives each year.
Languages
Marathi, Hindi
First Language
English
Advanced
C1
Interest
- Reading
- Discussion and debate
- Cricket and Volleyball
Timeline
Deputy Manager of Finance
Saraswat Bank
11.2018 - Current
JAIIB - Banking And Finance
Indian Institute of Banking And Finance
BE Mechanical - Mechanical Engineering
Pravara Rural Engineering College
Similar Profiles
Namita VazeNamita Vaze
Branch Manager at Saraswat BankBranch Manager at Saraswat Bank
KHAMRUNNISA SHARIFKHAMRUNNISA SHARIF
Retail Banker at Saraswat BankRetail Banker at Saraswat Bank
RAHUL SAWANTRAHUL SAWANT
Deputy Branch Manager at Saraswat BankDeputy Branch Manager at Saraswat Bank