GoodProfile
Follow and connect
@atul-deore-0083a9237
Resume
Made on GoodProfile
About me
Banking professional with 12+ years of experience at Bank of Maharashtra across Manager and Deputy Manager roles, with broad exposure to retail credit, credit appraisal support, credit administration, portfolio monitoring, loan operations and debt recovery. Experienced in reviewing borrower creditworthiness, repayment capacity, credit bureau reports and supporting financial documents, along with coordinating loan documentation, sanction conditions, disbursement processes and post-sanction compliance. Familiar with credit risk identification, overdue account monitoring, stressed assets, NPA-related processes, OTS proposals . Brings a control-oriented approach to credit file quality, policy compliance, audit observations, MIS reporting and cross-functional stakeholder coordination. Additional exposure to MSME credit documentation, KYC/AML and trade finance. Seeking senior-level opportunities in Credit Risk Management, Credit Monitoring, Credit Management, Credit Governance or Credit Operations within corporate and financial-services organisations.
Skills
Experience
Manager
May 2018 – PresentBank of Maharashtra
Branch Banking, Credit Operations & Monitoring • Supported branch banking operations and credit-processing activities across retail and business lending, including loan application review, borrower-document scrutiny, and credit proposal processing. • Examined salary slips, bank statements, income-tax returns, credit-bureau reports, existing liabilities, and other financial information to support borrower-profile and repayment-capacity assessment. • Reviewed loan applications and supporting documents for completeness, borrower eligibility, documentation quality, and compliance with applicable credit policies and lending procedures. • Coordinated loan documentation, KYC verification, resolution of file deficiencies, sanction-condition follow-up, and disbursement requirements. • Followed up on post-sanction documentation, pending compliance requirements, and post-disbursement obligations to maintain proper credit records. • Monitored loan account conduct, repayment irregularities, overdue positions, and potential early warning signals, escalating concerns to the appropriate authorities where required. • Supported credit portfolio monitoring through account-status reviews, documentatio
Dy. Manager
May 2015 – Apr 2018Bank of Maharashtra
Branch Banking, Credit Operations & Monitoring • Supported branch banking operations and credit-processing activities across retail and business lending, including loan application review, borrower-document scrutiny, and credit proposal processing. • Examined salary slips, bank statements, income-tax returns, credit-bureau reports, existing liabilities, and other financial information to support borrower-profile and repayment-capacity assessment. • Reviewed loan applications and supporting documents for completeness, borrower eligibility, documentation quality, and compliance with applicable credit policies and lending procedures. • Coordinated loan documentation, KYC verification, resolution of file deficiencies, sanction-condition follow-up, and disbursement requirements. • Followed up on post-sanction documentation, pending compliance requirements, and post-disbursement obligations to maintain proper credit records. • Monitored loan account conduct, repayment irregularities, overdue positions, and potential early warning signals, escalating concerns to the appropriate authorities where required. • Supported credit portfolio monitoring through account-status reviews, documentatio
Education
BE
2009 – 2013North Maharashtra University, Jalgaon · E & TC