KAILAS JADHAV
Sahakar Nagar, Khed, Satara
Summary
Pursuing a dynamic role that leverages operation credit underwriting and sales expertise to drive organizational and personal growth
Overview
11
11
years of professional experience
6
6
Certifications
3
3
Languages
Work History
Retail Office In Charge
Bandhan Bank Ltd
04.2023 - Current
- Working as Retail Office In charge handling Home Loan Asset Center of Bandhan Bank Ltd- Satara.
- Handling End to End activity of Home loan Product Like File source – Login- Sanctioned Disbursement- Customer Service and Collection activity.
- Daily Basis Taking Followup for file Login from Corporate DSA and Local Referral Associates.
- Sourcing of file from Chanel partner eg. DSA, Connector, Branch Chanel, Builders, CA, Real Estate Agents.
- Ensuring to Login checking and login FTR files in System
- Initial screening of loan applications and calculation of eligibility considering product policy
- Personal discussion with customer to judge business stability and financial understanding.
- Office and Collateral CPV at customer place
- Analyses financial statements and credit history to better understand how much risk could be involved in extending credit to customers.
- Ensuring error free underwriting of loan customers in line with approved processes and policies.
- Preparation of CAM Note and Recommending to Superior for approval.
- Taking follow up from FI and RCU Team for clearing report.
- Vendor management
- In Disbursal activity support to functional team or disbursing file.
- Ensuring all loans and lending procedures comply with regulations
- Ensuring and responsible for collection.
- Handling credit granting process.
- Managing Post Disbursement Activities- NACH Activation, NOI, Org Property Docs collection(PDD) and sent to Regional office for Storage
Credit Manager- Mortgage
IDFC FIRST Bank Ltd
06.2022 - 04.2023
- Handing Mortgage Loan products and ticket size is up to 30 Lakhs.
- In Home loan and LAP having approval authority up to 10 lakhs.
- Other than Mortgage Handing Auto loans, Tractor Loan and Unsecured product also.
- Preparing of CAM of Secured and Unsecured Loan.
- Initial screening of loan applications and calculation of eligibility considering product policy
- Personal discussion with customer to judge business stability and financial understanding.
- Residential, Office and Collateral CPV at customer place
- Analysis financial statements and credit history to better understand how much risk could be involved in extending credit to customers.
- Ensuring error free underwriting of loan customers in line with approved processes and policies
- Taking follow up from FI and RCU Team for clearing report.
- Vendor management including FI agencies and RCU team etc
- In Disbursal activity support to functional team or disbursing file.
- Overall supervision of disbursal department for smooth process flow
- Ensuring all loans and lending procedures comply with regulations
- Ensuring and responsible for collection.
- Handling credit granting process.
- On monthly basis giving training of policies to Business and Credit Team.
Retail Asset Operation Manager
ICICI BANK LTD
03.2015 - 06.2022
- Processing Sanction and Disbursement of multiple products like Home loan, LAP, RWRF, Banking, Auto loan, Personal loan, ICICI Home Finance Post Disbursement Activities.
- Customer service related to Daily Banking Activities
- Pilot project is now base of HOME Loan. - Working in such project and run Satara Asset Center
- Handled service parameters such as FCRM, QUALITY and SERVICE REJECTION.
- Team Management.
- Handling Express Processing Center (EPC) Location at Satara which is recently launch by ICICI Bank for faster Loan Processing.
- Taking follow up from FI and RCU Team for clearing report
- Vendor management including FI agencies and RCU team etc
- In Disbursal activity support to functional team for disbursing file.
- Overall supervision of disbursal department for smooth process flow
- Ensuring all loans and lending procedures comply with regulations
- Responsible to follow up ROM + Mumbai Team for resolving DM queries, OTC, PDD and Maintaining of MIS of ROM + Mumbai region
- Managing Kolhapur and Solapur Cluster working like taking follow up for reducing WIP cases, focus on resolving DM queries and OTC, PDD cases follow up.
Education
PGDB - BANKING & FINANCE
Manipal Academy Of Higher Education
Bangalore01-2019
B. Com - undefined
Shivaji University
Kolhapur01-2014
HSC - undefined
HSC Board
Maharashtra01-2011
SSC - undefined
SSC Board
Maharashtra01-2009
Skills
Computer Proficiency in handling banking operations
Proactive leader and planner with expertise in plan execution
Quick learner and self-confident
Operations and process management with simplicity
Team work and conflict management
Planning and organization management to maximize business of sales Team
Team handling since year of 2019
Sales, Operations and underwriting Experience in Mortgage Loans
Certification
Completed Sales management course in ITM University, Baroda in Collaboration with ICICI Sales Academy in the year May, 2015
Declaration
I hereby declare that the information furnished above true up to the best of my knowledge and belief
Timeline
Retail Office In Charge
Bandhan Bank Ltd
04.2023 - Current
Credit Manager- Mortgage
IDFC FIRST Bank Ltd
06.2022 - 04.2023
Retail Asset Operation Manager
ICICI BANK LTD
03.2015 - 06.2022
PGDB - BANKING & FINANCE
Manipal Academy Of Higher Education
B. Com - undefined
Shivaji University
HSC - undefined
HSC Board
SSC - undefined
SSC Board