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
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 -
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