DNYANESHWAR TADE
MBA FINANCE
Jalgaon,MH
Summary
Seasoned Branch Credit Manager with a proven track record at India Shelter Finance Corporation Ltd, specializing in loan underwriting and team management. Expert in credit risk management, significantly reduced delinquency rates, and enhanced branch profitability. Demonstrates strong problem-solving abilities and teamwork, ensuring high standards in credit appraisal and portfolio management. Insightful Manager with experience directing and improving operations through effective employee motivational strategies and strong policy enforcement. Proficient in best practices, market trends and regulatory requirements of industry operations. Talented leader with analytical approach to business planning and day-to-day problem-solving.
Overview
14
14
years of professional experience
3
3
Certificates
Work History
Manager
HDFC Bank
Pachora, Maharashtra
08.2017 - Current
- Document verification Unit (RDVU) for Liability Application (CASA — AOF). Ensuring proper Compliance of company policies, Legal & regulatory regulations in loan sanctioning, disbursements, and post disbursement process.
- Doing customer PD, property visit, business visit & Understanding customer profile, repayment capacity and income stability.
- Credit Appraisal of loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
- Checking the file for Pre / Post approval according to the policy from processing till the disbursement.
- Analyzing and decisioning the cases within TAT. Maintaining MIS for all credit and disbursement files..
- Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite.
- Wrote reports detailing branch activities.
- Strengthened underwriting standards by conducting regular audits of completed credit reviews and providing constructive feedback to analysts on areas for improvement.
- Championed an organizational culture of continuous improvement by leading initiatives focused on enhancing operational efficiency in the credit approval process.
Senior Credit Officer
Shriram City Union Finance
Bhusawal, Maharashtra
09.2013 - 08.2017
- Checking Customer Mandatory Document as Per Customer Profile and find out customer Strength and deviation
- Checking Customer Dedupe and find out Customer Dispute Reason
- Maintain proper monthly MIS of all login and disbursement file as per month and Revert of Credit Manager Mails related to Credit Quires.
- Pre - disbursement status update in the UNO system and post disbursement verification & status update in the branch head office level
- Improved credit approval process by implementing streamlined procedures and utilizing risk analysis tools.
- Managed a diverse portfolio of accounts, maintaining accurate records and ensuring timely collections activities were undertaken.
- Accepting payment cash from the customers, authorized storage of collected cash in the vault room on daily basis, initiating the process of cash management service, generating daily cash collection report and reporting to the R O & H O on daily basis.
- Mitigated fraud risks with thorough due diligence procedures and vigilant monitoring of potential red flags in customer profiles.
Junior Administrative Officer
Dr. Ulahs Patil Medical College
Jalgaon, Maharashtra
08.2011 - 02.2013
- Handling all cash transactions & Bank Related Work.
- Enhanced office efficiency by streamlining administrative processes and implementing time-saving strategies.
- Organized office events and gatherings to promote camaraderie among staff members and improve employee morale.
- Reduced errors in data entry tasks by maintaining high levels of accuracy and attention to detail.
- Assisted senior administrators with special projects utilizing excellent research and problem-solving abilities to meet project goals.
- Assisted in the preparation of reports and presentations, ensuring high-quality results within deadlines.
- Maintained accurate records of expenses, submitting timely reimbursement requests on behalf of the team.
- Optimized workspace organization resulting in increased productivity for team members working in close quarters.
- Maintained primary relationship accountability for clients, overall servicing responsibility and client satisfaction to maximize profitability of client relationships.
Education
MBA - Financial Managment
North Maharashtra University
Jalgaon 04.2001 -
BBS - Management & Research
North Maharashtra University
Jalgaon 04.2001 -
Skills
Loan underwriting
Certification
MS CIT
Timeline
Manager
HDFC Bank
08.2017 - Current
Senior Credit Officer
Shriram City Union Finance
09.2013 - 08.2017
Junior Administrative Officer
Dr. Ulahs Patil Medical College
08.2011 - 02.2013
English Typing 40 WPM
07-2011
MS CIT
07-2007
MBA - Financial Managment
North Maharashtra University
04.2001 -
BBS - Management & Research
North Maharashtra University
04.2001 -
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