Public profile

Atul Mohan Deore

Manager

Bank of MaharashtraPUNE, Maharashtra, India12 years 4 months experience3 months notice

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Open to work

About

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

rdCREDIT RISK ASSESSMENT • BORROWER CREDITWORTHINESS ANALYSIS • CREDIT APPRAISAL AND PROPOSAL REVIEW • REPAYMENT CAPACITY ASSESSMENT • CREDIT BUREAU / CIBIL ANALYSIS • FINANCIAL STATEMENT REVIEW • CREDIT MONITORING • PORTFOLIO QUALITY MONITORING • POST-SANCTION MONITORING • EARLY WARNING SIGNALS (EWS) • DELINQUENCY AND OVERDUE MONITORING • STRESSED ASSET AND NPA MANAGEMENT • CREDIT ADMINISTRATION • LOAN DOCUMENTATION AND DUE DILIGENCE • SANCTION CONDITION MONITORING • DISBURSEMENT COORDINATION • POST-DISBURSEMENT COMPLIANCE • CREDIT POLICY COMPLIANCE • CREDIT CONTROLS AND DOCUMENTATION QUALITY • CREDIT EXCEPTION MONITORING • OTS PROPOSAL COORDINATION • SARFAESI / DRT / NCLT PROCESS EXPOSURE • RECOVERY FOLLOW-UP • KYC/AML COMPLIANCE • AUDIT AND REGULATORY COMPLIANCE • MIS AND MANAGEMENT REPORTING • RETAIL CREDIT • MSME CREDIT DOCUMENTATION • TEAM SUPERVISION • CROSS-FUNCTIONAL STAKEHOLDER MANAGEMENT

Experience

Manager

Bank of Maharashtra · Full-time

May 2018 – Present · 8 yrs 6 mos · Pune

• Handle managerial responsibilities across banking operations, credit workflows, documentation, compliance and coordination with internal stakeholders, based on assigned role and portfolio. • Review and coordinate retail-credit files, including borrower documentation, income records, bank statement

Dy. Manager

Bank of Maharashtra · Full-time

May 2015 – Apr 2018 · 3 yrs · Pune

• Supported branch banking operations and credit-processing activities, including review of retail loan applications and supporting borrower documents. • Examined salary slips, bank statements, income-tax returns and credit-bureau reports as part of borrower-profile and repayment-capacity review, ac

Education

North Maharashtra University, Jalgaon

BE, E & TC

2009 – 2013 · Grade: 66

Open to roles in

Pune, India