Pranay Nimbalkar
Credit Officer
Saoner
Summary
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.
Effective at keeping customer loans in line with bank and legal guidelines through systematic assessments of property values and borrower histories. Dedicated to optimizing bank portfolios by balancing risk with profitability.
Credit professional with comprehensive experience in credit evaluation and risk mitigation. Recognized for fostering collaboration within teams and delivering reliable results, adapting seamlessly to evolving business needs. Expertise in financial analysis, decision making, and client relationship management.
Overview
3
3
years of professional experience
3
3
Languages
Work History
Credit Officer
Utkarsh Small Finance Bank
02.2025 - Current
- 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.
- Supported business growth initiatives by assisting in the identification of new market opportunities for expansion within the credit sector.
Intern
Indorama Industries Limited
03.2023 - 03.2024
- Supported staff members in their daily tasks, reducing workload burden and allowing for increased focus on higher-priority assignments.
- Gained valuable experience working within a specific industry, applying learned concepts directly into relevant work situations.
- Analyzed problems and worked with teams to develop solutions.
- Contributed to a positive team environment by collaborating with fellow interns on group projects and presentations.
Education
Bachelor of Arts -
Sarswati Mahavidyalay
Koradi 04.2001 -
High School Diploma -
Swarswati Mahavidyalay
Saoner, India 04.2001 -
High School Diploma -
Bhalerao High School
Saoner, India 04.2001 -
Skills
Financial statement review
Risk analysis
Sales support
Credit analysis
Financial statement analysis
Loan recommendations
Customer relations
Portfolio management
Loan underwriting
Credit scoring
Cash flow forecasting
Timeline
Credit Officer
Utkarsh Small Finance Bank
02.2025 - Current
Intern
Indorama Industries Limited
03.2023 - 03.2024
Bachelor of Arts -
Sarswati Mahavidyalay
04.2001 -
High School Diploma -
Swarswati Mahavidyalay
04.2001 -
High School Diploma -
Bhalerao High School
04.2001 -