Mahesh Patil
Credit Manager
Dhule,MH
Summary
To work as a key player in a challenging & creative environment becoming a contributing professional in an organization with commitment and dedication and be known for depth of knowledge, quality, hard work and time lines of services in the industry.
A responsible Credit has a track record of consistently delivering to the highest levels of performance. Maxine is an expert at carrying out High-quality credit analysis in order to monitor the payment timeliness of her clients. 5 Years’ experience spanning all the phase of banking Credit operation, finance, back office, administration management, credit and risk management
Overview
10
10
years of professional experience
4
4
Languages
Work History
Credit Manager
Cholamandalam Investments And Finance Company Limited
02.2026 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
Credit Manager
India Shelter Finance Corporation LTD
02.2024 - Current
- Valuating credit proposals covering financial, business and industrial risk & decisioning of the loan.
- Verifying borrowers' track record & ascertaining their credit worthiness.
- Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position
- Set up audit framework. Carry out audits and get closure on items
- Basic Analytics and MIS reporting to various stakeholders.
- Monitor and enforce approval rate and TAT as per prescribed standards. Vendor Management.
Credit Manager
Bandhan Bank Ltd
10.2023 - 02.2024
- Valuating credit proposals covering financial, business and industrial risk & decisioning of the loan.
- Verifying borrowers' track record & ascertaining their credit worthiness.
- Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position
- Set up audit framework. Carry out audits and get closure on items
- Basic Analytics and MIS reporting to various stakeholders.
- Monitor and enforce approval rate and TAT as per prescribed standards. Vendor Management.
Deputy Credit Manager
Hiranandani Financial Services Pvt Ltd
01.2022 - 10.2023
- Valuating credit proposals covering financial, business and industrial risk & decisioning of the loan.
- Verifying borrowers' track record & ascertaining their credit worthiness.
- Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position
- Set up audit framework. Carry out audits and get closure on items
- Basic Analytics and MIS reporting to various stakeholders.
- Monitor and enforce approval rate and TAT as per prescribed standards.
- Vendor Management
Branch Credit Manager
JM Financial Home Loan Ltd
04.2022 - 01.2023
- Manage to daily activities for company credit and operation work.
- Credit Decisions
- Visit customer’s place of business / employment and through personal discussions assess the business model and overall credit worthiness of the customer and recommend files for approval
- Properly motivate to credit and collection team
- Measure department performance with appropriate metrics
Assistant Branch Credit Manager
Bajaj Housing Finance Ltd
03.2021 - 04.2022
- CAM Of - Self Employed Customer’s Like Dr ( MBBS , MD , MDS , BDS Etc ) & Professional CA & CS & Conduct PD On Hospital & Clinics .
- Prepared CAM Of – Self Employed Non Professional Like (Trader, Manufacturer ,Services Provider ) & Details PD Then Underwritings For Final Approval
- Prepared CAM Of Salaried HL & LAP Customer Details Verification Salary, SixMonths Banking, Obligations , CIBIL & looking Into Pre-Approved & Full underwriting In System & Doing Tele PD Of Customer For Final sanction .
- Looking Into Legal & Collateral Reports In System, Done Case Again Reappraise in System.Prepared
Credit Officer
Muthoot Fincorp Ltd
11.2018 - 03.2021
- Overseeing the credit policy and where necessary, recommending updates.
- Meet Customers Business Premises & residence and contact a detailed verification. Proper credit assessment as per template and reporting to credit manager. Conduct study cash flow,ability to pay of customers with utmost integrity. Gather all relevant information thru discussion and documents to make a proper credit analysis of MSME loan.
Credit Officer
Indusind Bank Ltd
03.2016 - 07.2017
- KYC Department & Risk Management Reconciliation of various accounts credit management, maintaining record, daily &monthly reporting, recovery & loan operation, customer service & audit compliance, credit verification of loan files checking all KYC data credit operation,kyc CIBIL report generation, check fraud customer in cibil loan report , loan files data entry in bank system, prepares spread sheet, reports ,summaries and opinions for financial institution , work with examiner and
Education
Govt. Diploma in co-operation & Accountancy - undefined
GDCA Board Pune
Govt.ofMaharashtra05.2014
MBA - Finance
University of Pune
05.2014
B.B.M. - undefined
University of Pune
03.2012
XII - Commerce
Maharashtra Board
03.2009
X-GHSEB - Gujarat
03.2007
Skills
Credit analysis
Performance improvements
Credit reports
Risk analysis
Declaration
I hereby declare that the above mentioned information is true to the best of my knowledge.
Personal Details
- Name: Mahesh Madhukar Patil
- Date of Birth: 02-11-1989
- Gender: Male
- Marital Status: Married
- PAN No: BEJPP9151H
- Permanent Address: At – Vitai , Post – Gorane , Tal – Sindkheda , Dist – Dhule 425406 Maharashtra
Timeline
Credit Manager
Cholamandalam Investments And Finance Company Limited
02.2026 - Current
Credit Manager
India Shelter Finance Corporation LTD
02.2024 - Current
Credit Manager
Bandhan Bank Ltd
10.2023 - 02.2024
Branch Credit Manager
JM Financial Home Loan Ltd
04.2022 - 01.2023
Deputy Credit Manager
Hiranandani Financial Services Pvt Ltd
01.2022 - 10.2023
Assistant Branch Credit Manager
Bajaj Housing Finance Ltd
03.2021 - 04.2022
Credit Officer
Muthoot Fincorp Ltd
11.2018 - 03.2021
Credit Officer
Indusind Bank Ltd
03.2016 - 07.2017
Govt. Diploma in co-operation & Accountancy - undefined
GDCA Board Pune
MBA - Finance
University of Pune
B.B.M. - undefined
University of Pune
XII - Commerce
Maharashtra Board