Dattatray Tawale
Banker
pune
Summary
Demonstrated expertise in customer service and operational strategies, contributing to substantial business growth. Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths.
Overview
13
13
years of professional experience
Work History
Branch Manager
Union Bank of India
04.2023 - Current
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Maintained friendly and professional customer interactions.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Engaged employees in business processes with positive motivational techniques.
- team handling for achieving branch operations
Credit Officer
Union Bank of India
04.2021 - 04.2023
- 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.
- Mentored junior staff members in best practices related to credit analysis, instilling a culture of accuracy and diligence within the team.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Adhered to banking standards and government lending guidelines for loan services.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Conducted in-depth industry research to identify potential risks or opportunities within specific sectors, informing credit portfolio management decisions.
- Reduced delinquency rates by implementing effective portfolio management strategies.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Optimized credit approval and collection processes, improving operational efficiency.
Relationship Manager
Union Bank of India
02.2019 - 03.2021
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
Retail Lending Officer
Union Bank Of India
04.2014 - 01.2019
- Refined internal communication processes between departments, facilitating smoother loan processing experiences for both staff and clients.
- Developed strong relationships with clients, ensuring loyalty and repeat business.
- Provided personalized service to clients, addressing their individual financial needs and goals.
- Maintained compliance with industry regulations while processing loan applications.
- Mentored junior Retail Lending Officers in best practices to develop their skills for career advancement.
- Conducted thorough credit analyses to minimize risk while approving loans for qualified applicants.
- Balanced risk management with client needs when evaluating loan requests, contributing to prudent decision-making practices.
- Improved overall efficiency by implementing new retail lending strategies and techniques.
Marketing Officer
Union Bank of India
04.2013 - 03.2014
- Increased brand awareness by implementing targeted marketing campaigns and strategies.
- Coordinated innovative strategies to accomplish marketing objectives and boost long-term profitability.
- Built strong relationships with industry influencers, securing positive coverage in relevant publications.
- Organized events and trade shows to showcase company products and services, generating valuable leads.
Relationship Manager
Axis Bank
09.2012 - 03.2013
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
- Provided exceptional customer service, resolving issues promptly and maintaining client trust throughout the resolution process.
- Analyzed customer data to identify areas of improvement and maximize customer satisfaction.
- Identified new business opportunities through diligent market research and analysis, contributing to increased revenue growth.
- Mentored junior team members on best practices in relationship management techniques, contributing to overall team success and growth within the company.
Relationship Manager
HDFC Bank
02.2011 - 09.2012
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Analyzed customer data to identify areas of improvement and maximize customer satisfaction.
- Strengthened client relationships by actively listening to their needs and providing tailored financial solutions.
- Identified new business opportunities through diligent market research and analysis, contributing to increased revenue growth.
- Collaborated with cross-functional teams for seamless management of high-profile accounts, resulting in improved customer satisfaction.
Education
MBA - Management
Icfai Business School
Pune, India 04.2001 -
Skills
Customer Service
Branch Operations Management
Relationship Building
Relationship building and management
Coaching and Mentoring
Languages
English
Upper intermediate (B2)
Hindi
Upper intermediate (B2)
Timeline
Branch Manager
Union Bank of India
04.2023 - Current
Credit Officer
Union Bank of India
04.2021 - 04.2023
Relationship Manager
Union Bank of India
02.2019 - 03.2021
Retail Lending Officer
Union Bank Of India
04.2014 - 01.2019
Marketing Officer
Union Bank of India
04.2013 - 03.2014
Relationship Manager
Axis Bank
09.2012 - 03.2013
Relationship Manager
HDFC Bank
02.2011 - 09.2012
MBA - Management
Icfai Business School
04.2001 -