Savitri Mahilane
Sarangarh,CG
Summary
Personable and analytical, with solid foundation in financial principles and management techniques. Adept in financial reporting and budgeting, with proficiency in data analysis and accounting software. Committed to optimizing financial processes and supporting organizational growth.
Overview
2
2
years of professional experience
1
1
Language
Work History
GCO (group credit officer)
SMFG (Gramsakti)
02.2023 - 01.2025
- Disbursement and collection
- Microfinance company
- Developed key relationships with clients, providing exceptional service and fostering long-term partnerships.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Organized and finalized loan applications for underwriter review.
- Checked appraisals, title information and insurance documents for each property.
- Implemented robust monitoring systems to track performance metrics of existing loans, identifying areas requiring attention or intervention.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Supported business growth initiatives by assisting in the identification of new market opportunities for expansion within the credit sector.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Managed a diverse portfolio of commercial loans, maintaining strong client relationships while mitigating risk exposure for the organization.
- Assisted in the development and implementation of new software tools for improved efficiency and accuracy in the credit assessment process.
- Improved cross-functional collaboration, working closely with sales and operations teams to meet business objectives.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Prepared reports of findings and recommendations.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Worked with clients to define and implement terms for approved credit requests.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Managed account data and verified information with clients, past creditors and other involved parties.
- Referred delinquent accounts to collections department or outside resources.
- Motivated and encouraged staff to enhance productivity and meet demanding internal and customer targets.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
Education
MBA - Human Resources Management
Parul University
Gujarat 04.2001 -
M.COM -
Sahid nand kumar patel university raigarh
01.2024
B.COM - undefined
Atal Bihari Vajpayee University Bilaspur
01.2022
2019 - undefined
Copa
01.2019
ITI - copa
Pussore
01.2019
12th - undefined
Chhattisgarh board of secondary education raipur
01.2018
10th - undefined
Chhattisgarh board of secondary education raipur
01.2016
Skills
Team leadership
Problem-solving
Task delegation
Employee scheduling
Team motivation
Time management
Customer service
Customer relations
Adaptability and flexibility
Recruiting and interviewing
Workload management
Staff supervision
Staff management
Customer rapport
Sales reporting
Staff development
Financial management
Money handling
Succession planning
Meeting facilitation
Workplace safety compliance
Financial reporting
Marketing
Employee engagement
Business development understanding
Closing oversight
Customer service and satisfaction
MS office
Positive attitude
Computer skills
Multitasking
Time management abilities
Documentation and reporting
Sales support
Financial statement review
Financial statement analysis
Loan recommendations
Risk assessment
Documentation preparation
Collateral evaluation
Loan underwriting
Quality controls
Documentation management
Credit validations
Financial acumen
Compliance reviews
Loan request evaluation
Banking operations
Financial ratio calculation
Loan disbursements
Request approval
Excellent communication
Credit reports
Analytical skills
Teamwork and collaboration
Policy application
Active listening
Loan processing
Interpersonal skills
Information analysis
Paperwork processing
Problem-solving aptitude
Relationship building
Self motivation
Account reconciliation
Accomplishments
- Resolved product issue through consumer testing.
- Used Microsoft Excel to develop inventory tracking spreadsheets.
ADDITIONAL PERSONAL INFO
- Address Sarangarh
- Date of Birth 2000-10-17
- Marital status Unmarried
- Nationality Indian
- Religion Hindu
- Gender Female
Travel
Darjeeling
Timeline
GCO (group credit officer)
SMFG (Gramsakti)
02.2023 - 01.2025
MBA - Human Resources Management
Parul University
04.2001 -
B.COM - undefined
Atal Bihari Vajpayee University Bilaspur
2019 - undefined
Copa
ITI - copa
Pussore
12th - undefined
Chhattisgarh board of secondary education raipur
10th - undefined
Chhattisgarh board of secondary education raipur
M.COM -
Sahid nand kumar patel university raigarh