Satyendra Kumar Patel
Rewa
Summary
Seasoned Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
7
7
years of professional experience
Work History
Credit Manager
Roha Housing Finance Pvt Ltd.
Rewa
12.2022 - Current
- Looking Secured Business Loan against to property (LAP) and home Loan, handling 3 Branches including Rewa,Satna & Sidhi.We are funding loan to Self Employed Business Profile/ Salaried Profile/Unsecured Mudra Loan.
- Having sanction authority 15 Lacks & PD Rights of 50Lakhs
- Effectively engage Operations & Risk teams to understand and contribute to overall processes & profitability across locations.
- Team management & Grooming of the team to achieve their respective targets.
- Managing the Delinquency of the business sourced to ensure health of portfolio.
- Negotiated repayment plans with debtors who were unable to pay their full balance due immediately.
- Provided guidance and support to other departments regarding the development of new credit policies and procedures.
- Analyzed financial data to determine the degree of risk involved in extending credit.
- Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
- Identified possible issues with credit systems and monitoring by streamlining processes ahead of time.
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Prepared monthly departmental reports summarizing the status of outstanding receivables.
- Ensured timely and accurate processing of all credit transactions.
Branch Credit Manager
Capri Global Capital Limited
Jabalpur
01.2022 - 12.2022
- Credit Appraisal/ underwriting the Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
- Designing and recommending the cases per NIP, CPM, EMI Equalizer, Affordable and banking Surrogate program.
- Doing Business visits, Property visits, Residence Visits & Interacting with customer in the course of personal discussion.
- Underwriting cases with desired level of quality and enabling achievement of branch Business target by proper training.
- Sanction the case and on boarding the cases in FI.
- Responsibility and monitoring the disbursement process and checking the files at disbursement time done by credit coordinator.
- Responsible for Cases are booked in given schemes and under appropriate rates, taking approvals from higher authority for condition.
- Handled the Fresh Bouncing and collection case are coming in further 12 month after the cases disbursement.
- Understanding of property related knowledge (Legal title and Valuation).
- Checking the payment Clearance of Disbursement files.
- Ensure OTC, PDD, customer service and post sanction activities.
- For operating all the windows I have 2 CPAs under me.
Branch Credit Manager
IDFC FIRST BANK
BILASPUR C.G.
12.2020 - 01.2021
- In IDFC first bank I'm handling secured and unsecured loans viz. HL LAP CV NW UC Tractor Loan MEL and PL as well. Mainly I am handling HL LAP, Mainly I am handling HL LAP. Rolls and Responsibilities.
- Working in branch as a Branch Leader. Responsible for every branch activity. •Reporting to Cluster Credit Manager with State Credit Manager. •Taking care products of Secured & Unsecured Loans as well as Vehicle loan ( HL, LAP, CV, UC, NC, Tractors Loan)
- Expertise in finance & credit analysis of Secured & Unsecured Loan but mainly I'm handling mortgage loan Hl & LAP.
- Responsible for conducting PD of Customer Residence and Business or Office.
- Responsible for managing Vendor Legal and Technical. 20/06/2019 - 03/12/2020 14/03/2017 - 15/01/2019 2014 2008
- Responsible for conducting training program twic a week for staff motivation. •Responsible for making good and healthy portfolio with strongly collection follow-up
- Responsible for making MIS on daily basis. Posses abilities to impact
- Business growth and maximize profile through achievement in credit.
- Sanction loan disbursement within TAT.
- Experience in understanding and implementing credit policy also.
- Understanding the credit environment in city branch.
- Identify and assess credit and other risk areas. Client Visit to gather deal requirements financial and other information necessary for underwriting and other inputs for performing quality analysis and through due diligence.
- Preparation and presentation of loan Eligibility statements and key financial ratios to deduce Loan eligibility.
- Preparing credit appraisal note.
- Having credit approval authority of Rs up to 20 Lacs.
Credit Officer
AU SMALL FINANCE BANK
REWA
06.2019 - 12.2020
- In AU SFB I was working as Credit Officer where i was served 1 years 6months
- Responsible for checking all login files.
- Responsible for checking all documents which is attached in file.
- Responsible for Initiating legal and technical report.
- Responsible for legal and technical report of any decency happened.
- Responsible for all the process from login to disbursement.
- Responsible for handling legal and technical.
- Responsible for legal and technical bills payment. Responsible for all the disbursed file sent to hub office within given timeline.
Credit Officer
UJJIVAN SMALL FINANCE BSANK
Dhar
03.2017 - 01.2019
- Rolls and responsibilities.
- Responsible for Cpv of Residence and Business as well.
- Responsible for checking all given document and checking cibil report as well.
- Responsible for sanctioning all file within tat
- Responsible for having good and healthy Portfolio with sanction limit of 1.5lacs.
- Responsible for taking weekly meeting for new things as per new policies and guidelines by Bank.
Education
BECHOLER OF ENGINEEERING - Mechanical Engineering
RGPV BHOPAL
REWA05-2014
Skills
- Customer Engagement
- Credit Reports
- Credit evaluations
- Fraud understanding
- Authorizations knowledge
- Application Review
- Mentoring and training
- Portfolio Management
- Risk Assessments
- Strategic Planning
- Regulatory Compliance
- Underwriting expertise
- Policy Implementation
- Financial Forecasting
- Workflow Coordination
- Credit analysis
Languages
English
First Language
Hindi
Beginner
A1
Websites
Timeline
Credit Manager
Roha Housing Finance Pvt Ltd.
12.2022 - Current
Branch Credit Manager
Capri Global Capital Limited
01.2022 - 12.2022
Branch Credit Manager
IDFC FIRST BANK
12.2020 - 01.2021
Credit Officer
AU SMALL FINANCE BANK
06.2019 - 12.2020
Credit Officer
UJJIVAN SMALL FINANCE BSANK
03.2017 - 01.2019
BECHOLER OF ENGINEEERING - Mechanical Engineering
RGPV BHOPAL
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