Vinay Digambar Jawale
Credit Officer
Pune,MH
Summary
Experienced Credit Officer with a strong background in retail advances and MSME finance, currently serving as a Credit Officer at Chakan Branch of Bank of Maharashtra. Skilled in financial document review, loan package preparation, and risk assessment to ensure compliance with regulatory standards. Proficient in credit evaluation, risk management, and financial analysis, with a proven track record of optimizing credit policies for profitability. Detail-oriented and dedicated professional committed to delivering effective solutions and exceeding targets in a fast-paced banking environment.
Overview
18
18
years of professional experience
6
6
Certifications
3
3
Languages
Work History
Manager (MMGS-II) - Credit Officer
Bank of Maharashtra
09.2014 - Current
- 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.
- Implemented robust monitoring systems to track performance metrics of existing loans, identifying areas requiring attention or intervention.
- Checked appraisals, title information and insurance documents for each property.
- Conducted regular account reviews to proactively identify potential risks in the credit portfolio, taking corrective actions as needed.
- 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.
- Facilitated timely decision-making on loan applications through clear communication with internal stakeholders and prompt resolution of any queries or discrepancies.
- Streamlined loan approval processes with the development of standardized credit policies and procedures.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Adhered to banking standards and government lending guidelines for loan services.
- Managed a diverse portfolio of commercial loans, maintaining strong client relationships while mitigating risk exposure for the organization.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Increased customer satisfaction scores by promptly addressing concerns and resolving issues related to credit products.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Conducted in-depth industry research to identify potential risks or opportunities within specific sectors, informing credit portfolio management decisions.
- Negotiated favorable terms with clients for both secured and unsecured lending products, resulting in mutually beneficial agreements.
- Reduced delinquency rates by implementing effective portfolio management strategies.
- Used Core Banking Solution (CBS) and Loan Lifecycle Management System (LLMS) to perform credit appraisals, document verification and loan approvals.
- Optimized lending practices by maintaining up-to-date knowledge of industry trends and regulatory requirements.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
- Prepared reports of findings and recommendations.
- Monitored accounts for signs of fraud and non-payment issues.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
SAP BI Consultant
EXA AG
06.2012 - 06.2013
- Evaluated emerging technologies in the field of business intelligence, recommending strategic investments for long-term growth.
- Facilitated seamless migrations from legacy systems to state-of-the-art SAP BI platforms, minimizing disruption during transitions.
- Collaborated with cross-functional teams to integrate SAP BI solutions into existing systems.
- Leveraged advanced analytics capabilities to uncover hidden trends and patterns, driving data-driven decision making throughout the organization.
- Developed customized reports to improve decision-making with the use of SAP BI reporting tools.
- Resolved technical issues promptly, minimizing downtime and maintaining productivity levels.
- Ensured user satisfaction by providing ongoing support services including troubleshooting technical issues related to software applications.
- Streamlined business processes for increased efficiency, utilizing SAP BI tools and methodologies.
- Standardized processes through documentation of procedures while maintaining adherence to established guidelines.
- Offered input for complex documents to support client-ready final versions.
- Oversaw document development across project workstreams to create internal control statements per compliance and regulatory standards.
HR Executive
Bharat Heavy Electricals Limited
07.2011 - 12.2011
- Oversaw payroll processing, ensuring accurate payments while adhering to strict deadlines for submission.
- Facilitated open communication channels between employees and management to promote a positive workplace culture.
- Streamlined HR processes by implementing efficient workflows and reducing paperwork.
- Implemented successful training programs, enhancing employee skills and productivity levels across the organization.
- Increased talent pool by implementing effective recruitment strategies, including targeted job postings and networking events.
- Ensured compliance with labor laws and regulations by staying current on industry best practices and updating policies accordingly.
- Conducted thorough employee evaluations to identify areas for improvement, providing constructive feedback and guidance for growth opportunities.
- Managed complex employee relations issues, conducting investigations and resolving conflicts fairly and efficiently.
- Maintained up-to-date knowledge of employment laws, proactively investigating potential liabilities or risks within the organization.
- Led performance management initiatives, setting clear expectations for employees and regularly monitoring progress towards goals.
- Managed employee recognition programs, celebrating individual and team accomplishments to encourage continued excellence in performance.
- Provided updates on HR policy changes to employees to satisfy compliance and state laws.
- Managed other HR staff and oversaw completion of tasks and initiatives.
- Conducted performance reviews and provided feedback to managers on employee performance.
- Created and delivered HR training sessions to staff, managers and executives.
- Advocated for staff members, helping to identify and resolve conflicts.
SAP Basis Consultant
IBM India Pvt Ltd
10.2007 - 05.2009
- Managed system performance and user profiles.
- Installed kernel upgrades per technical documentation guidelines, adhering to SAP's best practices.
- Recommended hardware sizing, installation, and configuration plans.
- Troubleshot complex technical issues, providing expert guidance and timely resolutions for clients.
- Performed root cause analysis on technical issues and developed effective resolutions.
- Streamlined support ticket resolution process by prioritizing urgent requests and allocating appropriate resources as needed.
- Managed SAP system upgrades, ensuring seamless transitions with minimal disruption to business operations.
- Aided in problem resolution tasks via in-person and on-call availability, maintaining resolution rate of 100%.
- Actively participated in cross-functional meetings aimed at aligning IT goals with broader organizational objectives for seamless collaboration between departments.
- Applied necessary support packs to SAP and Oracle products, maintaining up-to-date and secure software installations.
- Developed monitoring protocols for early detection of potential issues, allowing prompt action to maintain optimal system health.
- Documented best practices within the organization regarding SAP Basis administration, fostering consistency across all team members involved in similar tasks.
- Optimized system performance by analyzing and tuning SAP systems, resulting in improved efficiency and reduced downtime.
- Performed quality assurance testing of new installations and recently updated software solutions, checking for functionality and compatibility issues.
- Tuned performance of SAP products to meet prescribed needs of FICO and MM department.
- Documented and maintained technical specifications for SAP applications.
- Executed and managed over 8 successful SAP implementation projects for large enterprises.
- Managed and monitored installed systems for highest level of availability.
Education
HSC -
M J College
MBA - Business Administration And Management
Indian Institute of Technology Madras
Chennai, India05-2011
B Tech - Electrical
College Of Engineering Pune
Pune, India 04.2001 - 2007.01
SSC -
L N S Highschool
Jalgaon, India03-2001
Skills
Areas Of Interest
- Credit Processing
- Consulting
- Audit
Roles And Responsibilities
- Advances – Retail, Agricultural & MSME
- Credit Risk Rating (CRR) Exercises
- Credit Monitoring, Recovery and NPA Management
- TDS filing & Tax Compliance
- Compliance through Inspection, Concurrent Audit & Statutory Audit
- Acting as Specified Person for all Insurance Business at branch
- Implementation of various government schemes through co-ordination with DC
- Marketing & Promotion of new Banking products
- Deposits – Handling HNI customers
- Investigation of suspected frauds & staff accountability exercise
Present Posting
Credit Officer at Chakan Branch of Bank of Maharashtra
Desired Location
Pune, Maharashtra
Certification
SAP Business Intelligence Professional By SAP AG
Timeline
Certificate Course in Risk Management By IIBF
12-2017
Certificate Course in Financial advising By IIBF
06-2017
Certificate Course in MSME Finance By IIBF
01-2017
CAIIB
12-2016
JAIIB
01-2016
Manager (MMGS-II) - Credit Officer
Bank of Maharashtra
09.2014 - Current
SAP BI Consultant
EXA AG
06.2012 - 06.2013
SAP Business Intelligence Professional By SAP AG
04-2012
HR Executive
Bharat Heavy Electricals Limited
07.2011 - 12.2011
SAP Basis Consultant
IBM India Pvt Ltd
10.2007 - 05.2009
B Tech - Electrical
College Of Engineering Pune
04.2001 - 2007.01
HSC -
M J College
MBA - Business Administration And Management
Indian Institute of Technology Madras
SSC -
L N S Highschool
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