BHUSHAN KOTIAN
Banking Professional - Loan Officer
Mumbai
Summary
BANKING PROFESSIONAL - Loan Officer
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
4
4
Languages
Work History
Officer
Bharat Co-operative Bank (Mum) Ltd
06.2018
- Appraising Files for Sanction & Disbursement
- Analyzing financial statements and credit worthiness of individuals as well as companies
- Conducting search, legal opinion, and valuation of property by co-ordinating with respective panel appointed experts
- Checking approved files with respect to documentation, compliances of all terms & conditions stipulated in the credit Arrangement letter / sanction terms & getting the documents adequately stamped & properly filled, etc
- Preparation of Sanction letter and loan documentation
- Handling disbursement of working capital facility such as Overdraft facility, Cash Credit, Term loan, etc, of all groups against Stock, Book Debts, FD's, Properties
- Handling disbursement of working capital facility such as Overdraft facility, Cash Credit, Term loan, etc, of all groups against Stock, Book Debts, FD's,Properties
- Settlement of vendor bills i.e Valuation fees, Intimation fees, Legal fees, Search fees
- MIS-Quarterly and Monthly statement reporting to head office and RBI i.e classification of NPA, NPA profile, Movement of NPA, Loan sanctioned at branch level statement etc
- Updating stock statement for all Cash Credit accounts
- Liaising with bank's empaneled advocate for verification of property documents
- Capturing details of securities Hypothecated/Mortgaged to Bank by the Borrower in Collateral management system (i.e CERSAI)
- Intimation of charge creation on property to Sub-registrar office/ROC within stipulated time
- Issuance of NDC (No Due Certificate) to customer for the loans and facilities, which are closed
- Releasing of property papers
- Pre & post disbursement visit of securities
- Monitoring collection portfolio, identifying overdue accounts, making reminder calls, sending demand notices, recommending for SARFAESI and taking other proactive steps to ensure timely recovery of overdue/ outstanding amount
- Employing strict credit control measures to recover dues from defaulters without compromising on borrowers' dignity
- Ensuring compliance of statutory requirements as per audit guidelines and regulations laid down by various acts by RBI
- Compliance of Audit report conducted by various auditors of the bank.
Education
TYBBI - Banking And Insurance
Tolani College of Commerce
04.2001 -
HSC - Commerce
Ismail Yusuf College of Arts,Science And Commerce
04.2001 -
SSC -
People Welfare English High School
04.2001 -
Skills
Finacle
Advance Excel
MS Office
Time Management Skills
Teamwork & Team Leadership
Innovative Thinking
Accomplishments
- Participation Certificate by TCS ion, 02/2024
- Basics of Wealth Management
- Accounting Fundamentals
- Participation Certificate by TCS ion, 03/2024
- Understanding Market Risk in Financial Sector
- Understanding Settlements in Financial Sector
- Understanding Risk Management in Financial Sector
- Certificate Courses in Advanced Excel by Perfect Computers, 07/2016
Personal Information
- Date of Birth: 04/10/1996
- Marital Status: Single
Training
- Various banking topics such as KYC, customer services, Credit analysis, product knowledge, risk management etc.
- Attended training on Loans & Advances.
Timeline
Officer
Bharat Co-operative Bank (Mum) Ltd
06.2018
TYBBI - Banking And Insurance
Tolani College of Commerce
04.2001 -
HSC - Commerce
Ismail Yusuf College of Arts,Science And Commerce
04.2001 -
SSC -
People Welfare English High School
04.2001 -