Summary
Work History
Skills
Other Qualifications
Current Working
Previous Work Experience
Personal Information
Academic Credential
Computer Skill
Projects
Training
Disclaimer
Timeline
Hi, I’m

SANTOSH MALVE

Credit Manager
Pune,Maharashtra

Summary

Considering success as a path & not the destination, I continuously do things to meet particular standard of excellence.

Work History

SURYODAY SMALL FINANCE BANK.

CREDIT MANAGER

Job overview

  • Credit Underwriting
  • Branch Handing
  • Team Monitoring
  • Credit Appraisal
  • Property Visit as per as per Norms
  • PD Visit, Residence Verification and business and Office Verification
  • NOC Verification.

KHUSH HOUSING FINANCE LTD

AREA CREDIT MANAGER-ROM

Job overview

  • Credit Underwriting
  • Branch Handling
  • Handling ROM Team Monitoring
  • Credit Appraisal
  • Approved Cases up 15 lacs
  • Team Handing
  • Analyse financial statements and credit history to better understand how much risk could be involved in extending credit to customers
  • Set credit policies for institution and enforce the policies among credit analysts
  • Increase efficiency of generating financial ratios
  • Confer with credit analysts and financial advisors to better understand the potential risk associated with a Customer
  • Develop and promote effective teamwork between Credit and the Sales, Collection and Administration staff
  • Perform credit investigations and evaluations of credit risk in order to approve new customer accounts and assign Credit limit
  • Develop a productive team by hiring, training, and providing professional development.

AADHAR HOUSING FINANCE LTD

BRANCH CREDIT MANAGER

Job overview

  • Checking files
  • Personal Discussion with borrower and co-borrower
  • Business Verification, Office Verification, Residence Verification
  • Property Verification
  • Documents Verification, online check, Cersai Check
  • Underwriting
  • Team Handling
  • Decision Maker
  • File recommendation
  • Reference Check
  • ABB Calculation and Handle deviation matrix
  • Vendor Management
  • File Maker-Prepare file for disbursement
  • Eligibility Calculation
  • Sanction Files
  • Disbursement Cheque Preparation.

SHRIRAM HOUSING FINANCE LTD

CREDIT MANAGER

Job overview

  • Checking files
  • Compliance Initiation
  • Team Handling
  • MIS Updating
  • Attend Personal discussion with applicant and others
  • Business Verification
  • Office Verification
  • Residence Verification
  • Reference Check
  • Property Visit
  • ABB Calculation and Handle Obligation matrix
  • Vendor Management
  • Handle Legal & Technical Coordination with Legal & Technical vendor
  • Preparation of Proposal Note and CAM
  • File preparation and dispatched File
  • Query Regulation and Sanction File.

SHUBHAM HOUSING DEVELOPMENT FINANCE COMPANY PVT. LTD.

CREDIT MANAGER

Job overview

  • Team Monitoring & Team handling
  • Branches Visit
  • Disbursement Follow-up
  • Property Visit
  • Cross Reference check
  • Handling Credit Monthly Meeting
  • Disbursement projection preparation
  • Vendor Visits & Vendor Meeting
  • Interview taking
  • Raise Deviation Approval
  • PD Approved and sanction cases
  • Login, WIP, Sanction & Disbursement follow-up
  • Handling the customer issue regarding credit, collection, disbursement etc
  • Handling Sales and Credit Team
  • Raised foreclosed approval
  • Handle loan Foreclosed process.

SHRIRAM HOUSING FINANCE LTD.

CREDIT EXECUTIVE

Job overview

  • Explain home loan policy to applicant
  • Checking document and filling form
  • Visit to all builder
  • Document verification
  • I.e
  • ITR, Balance Sheet, Light Bill, Pan Card
  • Tele verification of applicant and co-applicant
  • FIR (Field Investigation Report) Verification of residence and office
  • Cheques deposited into bank
  • Property Verification
  • PF Cheque deposited into bank
  • Taking follow up customer.

BARCLAYS FINANCE

CREDIT OFFICER

Job overview

  • Checking document of client and filling forms
  • Handle banking process
  • Checking CIBIL status of client
  • Checking financial position of client
  • Mailing to client
  • Prepare CAM.

PIRAMAL HOUSING FINANCE LTD.

CREDIT MANAGER
Current

Job overview

  • Credit Underwriting
  • Process HL, LAP & SBL Cases
  • Processing files in multiple methods
  • Approval authority of Rs.25Lacs
  • Handle Cases Rs
  • 10 lacs to Rs
  • 2.50Cr in Months
  • Branch Handling
  • Co-ordinate with Sales and Credit Team
  • Analyse financial statements and credit history to better understand how much risk could be involved in extending credit to customers
  • Analyses Financial (ITR) to better understand customer financial situation
  • Providing Policy training
  • Personal Discussion with borrower and co-borrower
  • Business Verification, Office Verification, Residence Verification.

Skills

Area Credit Manager

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Other Qualifications

Other Qualifications
Income Tax and VAT Consultancy.

Current Working

Current Working
PIRAMAL HOUSING FINANCE LTD., CREDIT MANAGER, HOME LOAN/LAP/SBL, 12/21/21 - Present, Credit Underwriting. Process HL, LAP & SBL Cases. Processing files in multiple methods. Approval authority of Rs.25Lacs. Handle Cases Rs. 10 lacs to Rs. 2.50Cr in Months. Branch Handling. Co-ordinate with Sales and Credit Team. Analyse financial statements and credit history to better understand how much risk could be involved in extending credit to customers. Analyses Financial (ITR) to better understand customer financial situation. Providing Policy training. Personal Discussion with borrower and co-borrower. Business Verification, Office Verification, Residence Verification.

Previous Work Experience

Previous Work Experience
  • SURYODAY SMALL FINANCE BANK., CREDIT MANAGER, HOME LOAN, 03/08/21 - 12/19/21, Credit Underwriting. Branch Handing. Team Monitoring. Credit Appraisal. Property Visit as per as per Norms. PD Visit, Residence Verification and business and Office Verification. NOC Verification.
  • KHUSH HOUSING FINANCE LTD, AREA CREDIT MANAGER-ROM, HOME LOAN, 01/10/19 - 01/25/20, Credit Underwriting. Branch Handling. Handling ROM Team Monitoring. Credit Appraisal. Approved Cases up 15 lacs. Team Handing. Analyse financial statements and credit history to better understand how much risk could be involved in extending credit to customers. Set credit policies for institution and enforce the policies among credit analysts. Increase efficiency of generating financial ratios. Confer with credit analysts and financial advisors to better understand the potential risk associated with a Customer. Develop and promote effective teamwork between Credit and the Sales, Collection and Administration staff. Perform credit investigations and evaluations of credit risk in order to approve new customer accounts and assign Credit limit. Develop a productive team by hiring, training, and providing professional development.
  • AADHAR HOUSING FINANCE LTD, BRANCH CREDIT MANAGER, HOME LOAN AND MORTGAGAED LOAN, 09/16/17 - 01/08/19, Checking files. Personal Discussion with borrower and co-borrower. Business Verification, Office Verification, Residence Verification. Property Verification. Documents Verification, online check, Cersai Check. Underwriting. Team Handling. Decision Maker. File recommendation. Reference Check. ABB Calculation and Handle deviation matrix. Vendor Management. File Maker-Prepare file for disbursement. Eligibility Calculation. Sanction Files. Disbursement Cheque Preparation.
  • SHRIRAM HOUSING FINANCE LTD, CREDIT MANAGER, HOME LOAN AND MORTGAGAED LOAN, 12/24/15 - 09/16/17, Checking files. Compliance Initiation. Team Handling. MIS Updating. Attend Personal discussion with applicant and others. Business Verification. Office Verification. Residence Verification. Reference Check. Property Visit. ABB Calculation and Handle Obligation matrix. Vendor Management. Handle Legal & Technical Coordination with Legal & Technical vendor. Preparation of Proposal Note and CAM. File preparation and dispatched File. Query Regulation and Sanction File.
  • SHUBHAM HOUSING DEVELOPMENT FINANCE COMPANY PVT. LTD., CREDIT MANAGER, HOME LOAN & LAP, 02/03/14 - 11/30/15, Team Monitoring & Team handling. Branches Visit. Disbursement Follow-up. Property Visit. Cross Reference check. Handling Credit Monthly Meeting. Disbursement projection preparation. Vendor Visits & Vendor Meeting. Interview taking. Raise Deviation Approval. PD Approved and sanction cases. Login, WIP, Sanction & Disbursement follow-up. Handling the customer issue regarding credit, collection, disbursement etc. Handling Sales and Credit Team. Raised foreclosed approval. & handle loan Foreclosed process.
  • SHRIRAM HOUSING FINANCE LTD., CREDIT EXECUTIVE, HOME LOAN, 01/21/13 - 01/30/14, Explain home loan policy to applicant. Checking document and filling form. Visit to all builder. Document verification. i.e. ITR, Balance Sheet, Light Bill, Pan Card. Tele verification of applicant and co-applicant. FIR (Field Investigation Report) Verification of residence and office. Cheques deposited into bank. Property Verification. PF Cheque deposited into bank. Taking follow up customer.
  • BARCLAYS FINANCE, CREDIT OFFICER, 10/12/11 - 11/30/12, Checking document of client and filling forms. Handle banking process. Checking CIBIL status of client. Checking financial position of client. Mailing to client. Prepare CAM.

Personal Information

Personal Information
  • Father's Name: Malve Chandrakant Lakshman
  • Blood Group: B+
  • Date of Birth: 06/12/1986
  • Gender: Male
  • Nationality: Indian
  • Marital Status: Married

Academic Credential

Academic Credential
  • 10th, Kolhapur Board, 06/2002, 47.75%
  • 12th, Kolhapur Board, 06/2005, 64.67%
  • B.Com, Shri Shivaji University Of Kolhapur, 04/2008, 51.17%
  • MBA, Bharti Vidyapeeth University Pune, 05/2011, 60.74%

Computer Skill

Computer Skill
MS-Office, Internet, MSCIT

Projects

Projects
COMPARATIVE STUDY OF FINANCIAL POSITION OF BANK, KARAD JANATA SAHAKARI BANK, LTD. KARAD, 09/25/10 - 11/27/10

Training

Training
KARAD JANATA SAHAKARI BANK, LTD. KARAD training at Karad which include To analyses the working capital of the bank. The financial performance evaluation of the ‘Karad Janata Sahakari Bank Ltd’ with the help of certain financial ratios. To know the financial position of the bank throughout the reference period with the help of comparative statements (Annual Reports). To study the actual financial position of the bank.

Disclaimer

Disclaimer
I hereby declare that the information given above is true to the best of my knowledge.

Timeline

CREDIT MANAGER
SURYODAY SMALL FINANCE BANK.
AREA CREDIT MANAGER-ROM
KHUSH HOUSING FINANCE LTD
BRANCH CREDIT MANAGER
AADHAR HOUSING FINANCE LTD
CREDIT MANAGER
SHRIRAM HOUSING FINANCE LTD
CREDIT MANAGER
SHUBHAM HOUSING DEVELOPMENT FINANCE COMPANY PVT. LTD.
CREDIT EXECUTIVE
SHRIRAM HOUSING FINANCE LTD.
CREDIT OFFICER
BARCLAYS FINANCE
CREDIT MANAGER
PIRAMAL HOUSING FINANCE LTD.
Current

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SANTOSH MALVECredit Manager