Summary
Overview
Work History
Education
Skills
Accomplishments
Citizenship
Personal Information
Software
Interests
Timeline
CustomerServiceRepresentative

Lalit Chadhokar

Regional Credit Manger Healthcare And Business Equipment Loans
Mumbai

Summary

18+years of experience in Credit Underwriting and Risk Management... Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services. Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss. Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability. Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 18 years of financial industry expertise. Service-oriented RCM with track record of consistently delivering highest levels of performance. Knowledgeable in financial and credit analysis, credit modeling and market status .Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Ready to help team achieve company goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Performance-driven RCM with 18 years of experience aligning systems with business requirements, policies and regulatory requirements. Passionate about applying excellent organization and communication skills to manage and lead teams. Results-oriented individual .Excellent team builder and leader of initiatives. Results-driven leader with forward-thinking approach centered on company success and competitive . Ready for challenges and focused on meeting future demands. Multi-talented Senior Executive knowledgeable about underwriting , operations, and personnel management. Successful at stepping into diverse positions and making immediate positive contributions.

Overview

1820
1820
years of professional experience
3
3
Languages

Work History

REGIONAL CREDIT MANAGER (VICE PRESIDENT)

YES BANK LIMITED
INDORE
07.2012 - Current
  • Joined Yes Bank as Credit Manager for Commercial Vehicle , Construction equipment & Healthcare loan and was handling MP and CG region till 2018 , after 2018 was handling Healthcare and Business equipment loans as credit Manager and handled various states like MP, CG,NCR, Punjab, West Bengal, Bihar , Orrisa
  • In Jan 2022 promoted as Regional Credit Manager and Contributing in a supervisory role as a Regional Credit Manager , managing portfolios and credit underwriting of West, Central and South regions for Healthcare, Printing and Industrial Equipment
  • In my role as Regional Credit Manager , leading the team of 5 Credit Managers for underwriting of Healthcare, Printing and Industrial segments, underwriting includes preparation of Detailed Credit Appraisal Memo, Financial Analysis, CMA preparation, Business Plan & Viability assessment, Client interactions with plant visits, DueDiligence exercises as per policy charter
  • Presently having delegation of Rs 3 Cr.

CREDIT MANAGER

FULLERTON INDIA CREDIT CO LTD
INDORE
09.2008 - 07.2012
  • Responsible for appraisal of clients of the transportation segment of MP and CG region which included detailed credit appraisal document preparation, financial statement analysis, banking assessment, CMA preparation and viability projections along with highlighting policy deviations with mitigants thereof.

ASST MANAGER

SHRIRAM TRANSPORT FINANCE CO. LTD.
INDORE
07.205 - 09.2008
  • Responsible for appraisal of clients of the transportation segment of 16 locations of Indore region (Malwa/ Nimar/Gwalior) which included detailed credit appraisal document preparation, credit analysis, with disbursement of all approved proposals.

TRAINEE ENGINEER

FORCE MOTORS. LTD.
PITHAMPUR
09.2002 - 03.2004
  • Worked as trainee engineer in Production Engineering Department and responsible for Process sheet writing, implementation of changes in design of vehicle bodies and fixtures, preventive maintenance of pneumatic jigs, fixtures, and worked on different projects as assigned

Education

B.E. (Mechanical Engineering) - undefined

S.G.S.I.T.S. Indore

Diploma (Mechanical Engg.) - undefined

Govt. Polytechnic College Ujjain

Higher Secondary - undefined

Lokmanya Tilak H. S. School Ujjain

Skills

Investigations

Accomplishments

  • Promoted as Regional Credit Manger - Vice President in Jan 2022 (Yes Bank Ltd)
  • Successive promotions as a Senior Manager and Assistant Vice President in FY 18 and FY 21 (Yes Bank Ltd)
  • Got Appreciation form seniors multiple times for managing good credit quality and 100% score as a credit manager and RCM
  • Taken active participation in various projects related to process, policy and system improvement in Yes Bank
  • Handled underwriter role for various geographies like North, South, East and Central region

Citizenship

Indian

Personal Information

Date of Birth: 07/27/78

Software

Finn one

Interests

Digitisation of existing processes

Learning new applications

Underwriting

Learning underwriting of new loan products

Timeline

REGIONAL CREDIT MANAGER (VICE PRESIDENT)

YES BANK LIMITED
07.2012 - Current

CREDIT MANAGER

FULLERTON INDIA CREDIT CO LTD
09.2008 - 07.2012

TRAINEE ENGINEER

FORCE MOTORS. LTD.
09.2002 - 03.2004

B.E. (Mechanical Engineering) - undefined

S.G.S.I.T.S. Indore

Diploma (Mechanical Engg.) - undefined

Govt. Polytechnic College Ujjain

Higher Secondary - undefined

Lokmanya Tilak H. S. School Ujjain

ASST MANAGER

SHRIRAM TRANSPORT FINANCE CO. LTD.
07.205 - 09.2008
Lalit ChadhokarRegional Credit Manger Healthcare And Business Equipment Loans