Ganapatrao Vijay Desai
BANKER
Navi Mumbai
Summary
To leverage my extensive experience in managing credits and loans to contribute effectively in a dynamic environment. I aim to achieve both job satisfaction and professional growth while being a valuable asset to the organization.
Overview
14
14
years of professional experience
2012
2012
years of post-secondary education
3
3
Languages
Work History
Deputy Manager (Corporate Loan Operation Processing)
Axis Bank Ltd
02.2022 - Current
- Managed account opening, CC/OD, and term loans, including limit setup and AOF KYC verification
- Handled limit renewals, short reviews, and extensions, ensuring compliance with sanction letters and system updates
- Oversaw the processing of emergency credit line guarantees and priority sector lending validations
- Maintained data accuracy and managed modifications such as ROI and scheme codes
Deputy Manager (Corporate Banking Operations)
Axis Bank Ltd
06.2017 - 02.2022
- Managed corporate clients, prepared and executed facility and security documents
- Conducted financial and legal reviews, monitored loan accounts, and handled trade requests including LC/BG/Bills Discounting
- Performed unit inspections and ensured compliance with post-sanction and audit requirements
- Verification of legal documents that have been executed based on the Documentation Grid released by the legal team periodically and the Sanction Letter/Term Sheet issued by the business/credit team.
- Limits & Collateral Maintenance
- CERSAI Maintenance
- (Charge Creation & Release) Checker for Mortgage, Hypothecation & Intangible assets - basis terms of sanctions
- Insurance Policy Maintenance (basis terms of Sanction) - information to centralized insurance policy maintenance desk
- Preparation and releasing the Disbursement Advice to Loan Maintenance Team for disbursement of loans in LPS
- Insertions (documents received post disbursement)
- Deferral Closures (post receipt of requisite document from Business Unit against deferral obtained)
- Handover of Files (All documents except Title Deeds) & Dockets (Title Deeds – Property wise i.e
- Generating a specific docket is necessary to mortgage each property, and it must include insertions to DMT for further action and receipt of acknowledgement in ET/ Registrister.
- Co Ordinate with Auditors & Ensure no audit queries
- Maintain MIS
- Verify the property documents and confirm with the DMT before releasing them to the customer, RM, or customer service team.
- Increased customer satisfaction levels by developing targeted strategies to address client concerns effectively.
Credit Officer – Assistant Manager (Gold Loan)
Axis Bank Ltd
03.2014 - 06.2017
- Evaluated and approved gold loan requests, maintaining portfolio quality and adhering to credit standards
- Coordinated with technical experts for complex loans, handled auction processes, and supported the collection team for recoveries
Operation Officer
Capital First Ltd
11.2011 - 03.2014
- Prepared credit approval documents, proposals, and commitment letters
- Analysed loan transactions, identified risks, and developed financial information for prospective customers
Jr. Assistant / Assistant Branch Head
Manappuram General Finance & Leasing Ltd
02.2011 - 11.2011
- Prepared loan presentations, analysed credit, and conducted audits of financial statements
- Maintained credit assessment files, ensured compliance with customer protection regulations, and participated in loan committee meetings
Education
MBA - Finance
Pune University’s RIMRD College
BBA - Management
Shivaji University’s Swami Vivekanand College
Skills
Windows 10
MS Office
Tally 9
Team collaboration
Adaptability
Strong learning aptitude
Ability to excel in dynamic environments
Excellent interpersonal skills
Ability to perform under pressure
Process and procedure development
Performance improvements
Extra-Curricular Activities
Organizer, KUFA Cup Football Tournament 2007, Kolhapur Participant, Seminar on 'Business Beyond Borders,' RIMRD Pune
Timeline
Deputy Manager (Corporate Loan Operation Processing)
Axis Bank Ltd
02.2022 - Current
Deputy Manager (Corporate Banking Operations)
Axis Bank Ltd
06.2017 - 02.2022
Credit Officer – Assistant Manager (Gold Loan)
Axis Bank Ltd
03.2014 - 06.2017
Operation Officer
Capital First Ltd
11.2011 - 03.2014
Jr. Assistant / Assistant Branch Head
Manappuram General Finance & Leasing Ltd
02.2011 - 11.2011
BBA - Management
Shivaji University’s Swami Vivekanand College
MBA - Finance
Pune University’s RIMRD College