Somnath Patil

• Credit Assessment: Evaluate the creditworthiness of schools or educational institutions within the assigned area for unsecured and secured loans on Financial and various surrogate methods like- ABB, Cash Flow, Bank Credit summation & RTR etc.
• We do 1 lacs to 15 lack in unsecured and 5 lacs to 3Cr. in secured.
• Handling Pune and nagpur Location.
• Sanction Authority- 5 lacs for unsecured and 25 lacs for scured
• Credit Policy Development: Contribute to the development and refinement of credit policies and procedures
• Relationship Management: Build and maintain strong relationships with schools and educational institutions in the area
• Monitoring and Reporting: Monitor the credit portfolio within the area, keeping track of payment trends and identifying potential issues
• Compliance: Stay informed about relevant regulations and compliance requirements related to school finance
• Training and Development: Provide training and guidance to staff involved in credit-related activities. Stay updated on industry best practices and share knowledge with the team.

· Credit Assessment: Evaluate the creditworthiness of schools or educational institutions within the assigned area for unsecured and secured loans on Financial and various surrogate methods like- ABB, Cash Flow, Bank Credit summation & RTR etc.

· We do 1 lacs to 10 lack in unsecured and 5 lacs to 5Cr. in secured.

· Handling Pune Cluster- Pune, Satara, Sangali, Kolhapur, Solapur and Ahmednagar locations

· Approving authority- Unsecured 5 lacs and Secured 20 Lacs

· Credit Policy Development: Contribute to the development and refinement of credit policies and procedures

· Relationship Management: Build and maintain strong relationships with schools and educational institutions in the area

· Monitoring and Reporting: Monitor the credit portfolio within the area, keeping track of payment trends and identifying potential issues

· Compliance: Stay informed about relevant regulations and compliance requirements related to school finance

Training and Development: Provide training and guidance to staff involved in credit-related activities. Stay updated on industry best practices and share knowledge with the team

• Credit Assessment: Evaluate the creditworthiness of schools or educational institutions within the assigned area for unsecured and secured loans on Financial and various surrogate methods like- ABB, GST turnover, Cash Flow, Bank Credit summation & RTR etc.
• We do 1 lacs to 15 lack in unsecured and 5 lacs to 3Cr. in secured.
• Handling Pune and nagpur Location.
• Credit Policy Development: Contribute to the development and refinement of credit policies and procedures
• Relationship Management: Build and maintain strong relationships with schools and educational institutions in the area
• Monitoring and Reporting: Monitor the credit portfolio within the area, keeping track of payment trends and identifying potential issues
• Compliance: Stay informed about relevant regulations and compliance requirements related to school finance
• Training and Development: Provide training and guidance to staff involved in credit-related activities. Stay updated on industry best practices and share knowledge with the team.

• Credit Risk Assessment: Evaluate creditworthiness of MSME Secured/unsecured loans 1 lacs to 15 lacs on the basis of kachha- pakka bills using cash flow method and from 15 lacs to 50 lacs on the basis of ABB/ITR
• Handling 3 Branch of Pune Cluster- Hadapsar, Talegaon and Ahmednagar
• Credit Approval: Make recommendations for credit approval or rejection based on the credit risk assessment. Ensure compliance with the organization's credit policies, guidelines, and regulatory requirements
• Portfolio Management: Monitor and manage the credit portfolio of the Cluster, ensuring that it aligns with the overall risk appetite and strategy of the organization. Take proactive measures to address deteriorating credit quality
• Compliance and Regulatory Reporting: Ensure compliance with relevant laws, regulations, and internal policies. Prepare and submit required reports to regulatory authorities
• Team Management: Supervise and lead a team of credit officers, analysts, or support staff. Provide guidance and training to team members to enhance their skills and knowledge.

• Credit Risk Assessment: Evaluate creditworthiness of MSME unsecured loans 1 lacs to 15 lacs on the basis of kachha- pakka bills and purchase record using cash flow method and from 15 lacs to 50 lacs secured loans on the basis of ABB/ITR
• Handling PCMC branch and Swargate Branch of Pune.
• Credit Approval: Make recommendations for credit approval or rejection based on the credit risk assessment. Ensure compliance with the organization's credit policies, guidelines, and regulatory requirements
• Portfolio Management: Monitor and manage the credit portfolio of the branches, ensuring that it aligns with the overall risk appetite and strategy of the organization. Take proactive measures to address deteriorating credit quality
• Compliance and Regulatory Reporting: Ensure compliance with relevant laws, regulations, and internal policies. Prepare and submit required reports to regulatory authorities.

• Credit Assessment: Assess the creditworthiness of farmers for crop loan and agri term loans like - Dairy loans, Irrigation loan by visiting actual farm land and checking cropping pattern and irrigation facility.
• Loan Processing: Processing loan applications, ensuring that all necessary documentation is complete and accurate
• Customer Relationship Management: Building and maintaining relationships with agricultural clients is crucial.

Credit Assessment: Evaluate the creditworthiness of schools or educational institutions
within the assigned area for secured loans on Financial and varioussurrogate methods like- ABB, Cash Flow, Bank Credit summation & RTR etc.
· Ticket size is upto 7Cr.
· Handling Enire maharashtra location
· Approving authority- 50 Lacs