Seema Patil
Solapur
Summary
Banking professional with 12+ years of experience in retail and agriculture lending, credit operations, documentation scrutiny, risk & compliance, and credit monitoring in a PSU bank. Skilled in pre-sanction appraisal, post-sanction monitoring, collateral coordination, and underwriting of Housing, Gold, Retail and Agriculture loans. Managed credit portfolios ranging ₹100–260 Cr with strong compliance and audit performance.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Credit Officer – VLB Category Branch
Bank of Maharashtra
Pandharpur
06.2025 - Current
- Handling credit portfolio of ₹105 Cr within a branch business of ₹260 Cr, covering Housing, Gold, Mortgage and Agriculture loans.
- Handling end-to-end processing of Housing, Personal, Mortgage, Gold and Agriculture loans including assessment, documentation, disbursement and post-disbursement compliance.
- Achievements – Pandharpur Branch
- Revived a negative asset book of ₹97 Cr and achieved ~6% positive asset growth over March 25.
- Processed 12 housing loan sanctions within 4 months (Jun–Oct), exceeding the previous FY performance of 10 loans.
- Implemented structured loan sanction recording system to ensure complete audit trail and compliance tracking.
- Mentored one officer in credit documentation and compliance, improving team productivity.
- Revived a negative gold loan portfolio (₹40 lakh below March 2025 baseline) and achieved 1st rank among 56 branches in Solapur Zone by disbursing ₹1.00 Cr in September 2025 in Gold Loan Campaign, taking gold loan outstanding above March levels.
Manager – Compliance & Credit Monitoring
Bank of Maharashtra
Solapur
07.2023 - 06.2025
- Reduced slippages from ₹150 Cr (FY 2024) to ₹88 Cr (FY 2025) within one year through continuous credit monitoring and early-warning follow-ups.
- Reduced SMA level from approximately 10% to 7.10% through proactive follow-up, documentation compliance and early-warning account tracking.
- Solely responsible for maintaining the Delinquency & Compliance Risk Index for 56 branches in the zone, tracking 11 parameters and ensuring timely reporting and corrective actions.
- Conducted preliminary staff accountability examinations in all loan accounts turning NPA above ₹10 lakh and submitted findings to the Inspection Department and Zonal Head for review and closure.
- Conducted compliance testing across 50+ branches with total asset book over ₹3500 Cr.
- Performed credit audits, compliance audits and stock audits (> ₹5 Cr / > ₹1 Cr / > ₹2.5 Cr respectively) ensuring adherence to sanction terms, documentation and post-sanction monitoring norms.
- Ensured timely tracking of delinquencies and closure of audit observations.
Credit Officer – VLB Category Branch
Bank of Maharashtra
Kolhapur
06.2019 - 06.2023
- Managed credit portfolio of ₹150 Cr within a branch business of ₹300 Cr, covering Housing, Gold, Mortgage and Agriculture loans.
- Handling end-to-end processing of Housing, Personal, Mortgage, Gold and Agriculture loans including assessment, documentation, disbursement and post-disbursement compliance.
- Handled appraisal, documentation, disbursement and post-sanction control for Retail, Commercial and Agriculture loans.
- Coordinated stock audits, credit audits, concurrent audits and statutory audits with timely rectifications.
- Achievement – Kolhapur Branch
- Independently managed monthly concurrent audit closures (2019–2023) with zero major pending observations.
Deputy Branch Manager – VLB Category Branch
Bank of Maharashtra
Solapur
06.2017 - 06.2019
- Managed full branch operations independently and supervised a team of 2 officers and 3 clerks.
- Mentored two new joiners in branch operations and banking processes, enabling smooth onboarding and responsibility transition.
- Systemized locker records for 275 lockers by restructuring documentation and access controls.
- Successfully cleaned and disposed 30-year-old legacy data records in accordance with bank guidelines and appreciated by Zonal Head for operational excellence and branch was recognized as the cleanest branch during the tenure.
Deputy Branch Manager – LB Category Branch
Bank of Maharashtra
Solapur
10.2015 - 06.2017
- Managed branch with ₹70 Cr in business and ₹50 Cr asset portfolio; handled Agriculture, Retail and Government loan schemes.
- Successfully completed RBIA inspection single-handedly by ensuring full compliance with audit requirements and timely rectification of observations.
- Implemented restructuring scheme for Agriculture loans as per State Government guidelines, ensuring accurate documentation and eligibility assessment for borrowers.
HR Officer – Zonal Office
Bank of Maharashtra
Solapur
06.2014 - 09.2015
- Managed HR operations for 400+ employees across 50+ branches including allowances, leave administration and disciplinary cases.
Probationary Officer
Bank of Maharashtra
Solapur
04.2013 - 06.2014
- Processed personal, pension and security-backed loans; handled bank guarantees portfolio of ₹30 Cr.
Education
MBA - Marketing & HR
Vinayaka Missions University
Tamil Nadu01.2011
B.Sc. - Agriculture
College of Agriculture
Nashik01.2008
Skills
- Credit administration and operations
- Retail and agriculture underwriting
- Loan appraisal and documentation
- Collateral coordination and valuation
- Risk monitoring and compliance
- NPA and SMA tracking
- Portfolio monitoring and reporting
- AML, KYC, and regulatory compliance
- Process discipline and coordination
Certification
- Certified Anti-Money Laundering Specialist (CAMS), 01/01/24
- AML – Transaction Monitoring & STR, NISM, 03/01/24
- AML & KYC – IIBF, 12/01/23
- CAIIB, 12/01/22
- JAIIB, 12/01/15
Timeline
Credit Officer – VLB Category Branch
Bank of Maharashtra
06.2025 - Current
Manager – Compliance & Credit Monitoring
Bank of Maharashtra
07.2023 - 06.2025
Credit Officer – VLB Category Branch
Bank of Maharashtra
06.2019 - 06.2023
Deputy Branch Manager – VLB Category Branch
Bank of Maharashtra
06.2017 - 06.2019
Deputy Branch Manager – LB Category Branch
Bank of Maharashtra
10.2015 - 06.2017
HR Officer – Zonal Office
Bank of Maharashtra
06.2014 - 09.2015
Probationary Officer
Bank of Maharashtra
04.2013 - 06.2014
MBA - Marketing & HR
Vinayaka Missions University
B.Sc. - Agriculture
College of Agriculture