Summary
Overview
Work History
Education
Skills
Accomplishments
Personal Information
Trainings Attended
Timeline
Generic

Bhushan Kotian

Mumbai

Summary

Result oriented professional with 5+ years of experience. Proficient in Business and Mortgage Lending, Credit Analysis, and Relationship Management

Overview

7
7
years of professional experience
2012
2012
years of post-secondary education
4
4
Languages

Work History

Assistant Manager

SVC Bank
12.2024 - Current
  • Renewal of limits for existing Corporate Clients.
  • Fresh Sanction – Issuance of sanction letter, obtaining of compliance and co-ordination with legal and PSM Cell.
  • Processing request of the borrower for Ad-hoc limits.
  • Monitoring of Accounts.
  • Document maintenance.
  • Visit to units and offices of clients.
  • Follow up for their request with CCC, PSM, Legal and any other department of the Bank.
  • Attending / Arranging Consortium meetings on behalf of branch.
  • Sending reminders for renewal/overdue, etc. to clients.
  • Complying with Audit observations of Stock Audit / Statutory Audit / Internal Audit /Concurrent Audit
  • Stock Statement updation on monthly basis/ QIS statement updation on quarterly basis.
  • Exchange of information with other Banks.
  • Follow up for Insurance Renewal and updation in the CBS.
  • CERSAI/ROC charge updation in the system

Officer

Bharat Co-operative Bank (Mum) Ltd
06.2018 - 12.2024
  • Appraising Files for Sanction & Disbursement.
  • Analyzing financial statements and credit worthiness of individuals as well as companies.
  • Conducting search, legal opinion, and valuation of the property by co-ordinating with the respective panel appointed experts.
  • Checking approved files with respect to documentation, compliances of all terms & conditions stipulated in the credit Arrangement letter / sanction terms & getting the documents adequately stamped & properly filled, etc.
  • Preparation of Sanction letter and loan documentation.
  • Handling disbursement of working capital facility such as Overdraft facility, Cash Credit, Term loan, etc, of all the groups against Stock, Book Debts, FD's, Properties.
  • Settlement of vendor bills i.e Valuation fees, Intimation fees, Legal fees, Search fees.
  • MIS-Quarterly and Monthly statement reporting to head office and RBI i.e classification of NPA, NPA profile, Movement of NPA, Loan sanctioned at branch level statement etc.
  • Updating stock statement for all the Cash Credit accounts.
  • Liaising with bank's empaneled advocate for verification of property documents.
  • Capturing details of the securities Hypothecated/ Mortgaged to the Bank by the Borrower in the Collateral management system (i.e CERSAI).
  • Intimation of charge creation on property to Sub-registrar office/ROC within stipulated time.
  • Issuance of NDC (No Due Certificate) to the customer for the loans and facilities, which are closed.
  • Releasing of property papers.
  • Pre & post disbursement visit of securities.
  • Monitoring collection portfolio, identifying overdue accounts, making reminder calls, sending demand notices, recommending for SARFAESI and taking other proactive steps to ensure timely recovery of overdue/ outstanding amount.
  • Compliance of Audit report conducted by various auditors of the bank.

Education

SSC -

People Welfare English High School

HSC - undefined

Ismail Yusuf College of Arts, Science And Commerce

T.Y.BBI - undefined

Tolani College of Commerce

Skills

  • Finacle
  • Advance Excel
  • MS Office
  • Internet Applications
  • Effective time management
  • Leadership abilities
  • Analytical problem solving
  • Decision Making Skills

Accomplishments

  • Participation Certificate by TCS ion, 02/01/24
  • Basics of Wealth Management
  • Understanding Market Risk in Financial Sector
  • Accounting Fundamentals
  • Certificate Courses in Advanced Excel, Perfect Computers, 07/01/16

Personal Information

  • Date of Birth: 04/10/96
  • Marital Status: Single

Trainings Attended

  • Inhouse trainings on various banking topics such as KYC, customer services, Credit analysis, product knowledge, risk management etc.
  • Attended training on Loans & Advances.

Timeline

Assistant Manager

SVC Bank
12.2024 - Current

Officer

Bharat Co-operative Bank (Mum) Ltd
06.2018 - 12.2024

HSC - undefined

Ismail Yusuf College of Arts, Science And Commerce

T.Y.BBI - undefined

Tolani College of Commerce

SSC -

People Welfare English High School

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