Salesforce
VIJAY BHOITE
Credit Manager
Palus,MH
Summary
Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Overview
15
15
years of professional experience
2004
2004
years of post-secondary education
2
2
Certificates
Work History
Credit Manager
SI Creva Capital Services Private Limited (KISSHT)
12.2024 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
Branch Credit Manager
Aditya Birla Housing Finance Limited
08.2024 - 12.2024
- Checking credit history CIBIL.
- Handel branch credit activity related to Home loan, Loan Against property, Salaried LAP, Builder purchase, SENP profile & SEP profile.
- Underwriting of all types secured loan.
- Doing the credit PD visit related income sources, Residence Visit & Property visit..
- Income assessment through income document. Assessment & Formal income method.
- Check legal & technical aspect related property documents.
- Handel disbursement process.
Branch Credit Manager
Muthoot Fincorp Limited
08.2023 - 06.2024
- Handel branch credit activity related to Home loan, Loan Against property, Salaried LAP, SENP profile, Assessment profile.
- Underwriting of all types secured loan.
- Doing the credit PD visit related income sources, Residence Visit & Property visit.
- Income assessment through income document. Assessment & Formal income method.
- Check legal & technical aspect related property document.
Credit Manager
KIFS Housing finance limited
03.2022 - 07.2023
- Checking credit history CIBIL, Experian & HM report.
- Handel branch credit activity related to Home loan, Loan Against property, Salaried LAP, Builder purchase, SENP profile & SEP profile.
- Underwriting of all types secured loan.
- Doing the credit PD visit related income sources, Residence Visit & Property visit.
- Income assessment through income document. Assessment & Formal income method.
Branch Credit Manager
Sakshamgram Credit Private Limited
06.2021 - 03.2022
- Checking credit history CIBIL, Experian & CRIF report.
- Handel branch credit activity related to Loan against Property, Business Loan, and Unsecured Loan.
- Underwriting of all unsecured loan & secured loan.
- Doing the credit PD visit related income sources & Property visit.
Assistant Manager- II (Credit Officer)
Equitas Small Finance bank Limited
04.2020 - 02.2021
- Checking credit history CIBIL, Experian & HM report.
- Handel branch credit activity related to Home loan, LAP, Business Loan, Agriculture Loan, Salaried LAP, Builder purchase.
- Underwriting of all types secured loan.
- Check legal & technical aspect related property document.
Credit Officer (Business Loan)
Conatus Finserve Private Limited
07.2019 - 03.2020
- Checking credit history CIBIL, Experian & HM report.
- Under writing credit related soft mail recommendation, credit process of business loan.
- Organized and finalized loan applications for underwriter review.
Assistant Manager (Collection)
Vistaar Financial Services Private Limited
04.2018 - 06.2019
- Monthly 100% collection doing soft bucket.
- Daily visit client to collection purpose bounced & cash collection.
- Daily soft calling to client day by day taking PTP & collection follow up.
- Visit NPA client and convenience to repay the loan.
- Discussion with client importance of loan repayment on timely & monthly basis.
Branch Manager (JLG product)
Asirvad Microfinance Ltd.
09.2016 - 12.2017
- Handel branch team to sales & collection purpose.
- Achievement of 100% sales & collection target.
- Follow the disbursement process & register writing check up.
Credit Officer (JLG & MSME Product)
Muthoot Microfin Ltd.
01.2015 - 06.2016
- Handel branch credit activity related to JLG & MSME Loan.
- Follow the disbursement process & register writing checkup.
Junior Officer
ICICI BANK Ltd.
08.2010 - 08.2013
- Achievement of branch CASA target.
- Cross sale of Liabilities & Assets products.
- Doing market activity to generating new lead for branch revenue purpose.
- Handel system for service providing to customers.
Education
10th -
Kolhapur Board
12th - (MC VC)
Kolhapur Board
BBA - undefined
Shivaji University
MBA - undefined
YCMOU
Skills
MS-CIT
Disclaimer
I confirm that the information provided by me is true to the best of my knowledge and belief.
Timeline
Credit Manager
SI Creva Capital Services Private Limited (KISSHT)
12.2024 - Current
Branch Credit Manager
Aditya Birla Housing Finance Limited
08.2024 - 12.2024
Branch Credit Manager
Muthoot Fincorp Limited
08.2023 - 06.2024
Credit Manager
KIFS Housing finance limited
03.2022 - 07.2023
Branch Credit Manager
Sakshamgram Credit Private Limited
06.2021 - 03.2022
Assistant Manager- II (Credit Officer)
Equitas Small Finance bank Limited
04.2020 - 02.2021
Credit Officer (Business Loan)
Conatus Finserve Private Limited
07.2019 - 03.2020
Assistant Manager (Collection)
Vistaar Financial Services Private Limited
04.2018 - 06.2019
Branch Manager (JLG product)
Asirvad Microfinance Ltd.
09.2016 - 12.2017
Credit Officer (JLG & MSME Product)
Muthoot Microfin Ltd.
01.2015 - 06.2016
Junior Officer
ICICI BANK Ltd.
08.2010 - 08.2013
12th - (MC VC)
Kolhapur Board
BBA - undefined
Shivaji University
MBA - undefined
YCMOU
10th -
Kolhapur Board
Certification
IIBF
Work Preference
Work Type
Full TimePart TimeContract WorkWork Location
On-SiteRemoteHybridImportant To Me
Career advancementPersonal development programsHealthcare benefitsWork from home optionCompany CultureWork-life balanceTeam Building / Company RetreatsWork Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Software
LSQ
LMS
Finone
Languages
English
Intermediate (B1)
Hindi
Bilingual or Proficient (C2)
Marathi
Bilingual or Proficient (C2)
Interests
Learn new technics and what to use me and compony work running smoothly
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