Narendra Sapkale
Pune
Summary
Dynamic banking professional with extensive experience at IDBI Bank Limited, excelling in credit analysis and risk assessment. Proven track record in transforming underperforming branches into profitable entities through strategic planning and effective team leadership. Skilled in due diligence and compliance, driving operational excellence and enhancing financial performance.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Credit Officer
Bank of Maharashtra
Pune
11.2024 - Current
- Assessed credit proposals for loan approvals and risk evaluation.
- Conducted due diligence to ensure thorough analysis.
- Prepared appraisals and CMAs for proposals.
- Reviewed financial statements to evaluate applicants' creditworthiness.
- Submitted proposals and presented findings in Credit Approval Committee.
Asset Officer
IDBI Bank Limited
Mumbai
06.2022 - 10.2024
Branch Manager
IDBI Bank Limited
07.2020 - 06.2022
- Team Management: Ensured the high spirit in all team members to maximise the productivity vis-à-vis targets. Achievement of Targets aligned with the Budgets.
- Ensured Compliance for overall branch operations and in credit related areas. Qualified for Campaigns for achievement in TPD Income for LI and GI for continuous Two Years.
- Drive and managed Chronic loss-making branch into a profitable one within the span of 1.5 Years by way of focussed efforts on recovery and addition of Fresh Assets.
Asset Officer
IDBI Bank Limited
07.2014 - 06.2020
- Carrying out Due Diligence for MSME proposals and Retail Assets.
- Walkthrough with customers for credit requirement and obtention of requisite documents.
- Analysis & appraisal of credit proposal on basis of Financial Statements & Preparation of CMA and Periodic Visit to units.
- Responsible for timely Renewal/review of Credit facilities.
- Preparation of credit related notes for any deviation and presentation of a case to competent authority.
- Compliance of sanction terms for pre and post disbursement. Execution of documents viz Security and Legal documents as per bank guidelines.
- Ensuring bank's charge over the security Monitoring of Accounts (post disbursement) based on early warning signals.
- Branch Operations: Branch daily routine operation, reporting and ensuring compliance.
Asst Manager
IDBI Bank Limited
10.2011 - 06.2014
- Management Information System (MIS), Management Consultation & Coordination, Corporate Strategy, Budget & Planning: Assisted in launching and implementation of the various modules for facilitation of business verticals viz Letter of Intent Management System, Client Service module, Waiver Management System and Online Tracking system for Fresh, Renewal & Misc Requests pending.
- Gather Requirement from business vertical, Coordination and assimilation of other vertical suggestion and incorporation of the same in FRD.
- Flowchart preparation and submission of functional requirements along with access to vertical database.
- Pre & post implementation support to development teams. Responsible for validation and verification of requirements and for review of functional test plans.
- Carrying out UAT on pilot basis, Debug/ defect review and launching it on PAN India basis.
- Preparation of Monthly MIS and analysis of raw data to facilitate decision making process of top management. Devise budget and formulate strategy for bank as a whole as well as individual branches in consultation with top echelon.
- Preparation of power point presentation and dashboards for vertical performance vis-a-vis last year achievement.
- Coordination with Business Process Re-engineering Team for continuous improvement in entire gamut of product and services related to corporate banking.
- Development of new product/services in collaboration with product team and review of post implementation feasibility. Issuance of Circular and detailed guidelines thereof.
Education
MBA - Marketing
North Maharashtra University
06.2010
Bachelor of Engineering - Electronics & Telecommunication
Govt College of Engineering Jalgaon
06.2007
Skills
- Credit analysis and risk assessment
- Due diligence and compliance
- Team leadership and strategic planning
- Data and financial statement analysis
- Banking operations
Certification
JAIIB, IIBF, 02/13/13
Projects
Client Service Module, Analyst- This project facilitates for the end user to cross sell to our existing corporate relationship and integration of effort from all verticals.
Waiver Management System, this project involved the development of modules for the waiver of various charges, processing fees for corporate and HNI clients
Letter of Intent Management System- This project enables the end user across different verticals to understand the conditions of sanction, and accordingly, release the facilities as per sanction
Online tracking system for fresh, renewal, and miscellaneous requests- The primary objective was to develop a module for the submission of various requests from existing corporates regarding additional facilities, tenure change, reduction in interest, etc
Languages
- English
- Hindi
- Marathi
Timeline
Credit Officer
Bank of Maharashtra
11.2024 - Current
Asset Officer
IDBI Bank Limited
06.2022 - 10.2024
Branch Manager
IDBI Bank Limited
07.2020 - 06.2022
Asset Officer
IDBI Bank Limited
07.2014 - 06.2020
Asst Manager
IDBI Bank Limited
10.2011 - 06.2014
MBA - Marketing
North Maharashtra University
Bachelor of Engineering - Electronics & Telecommunication
Govt College of Engineering Jalgaon
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