Shobhit Bathla
Corporate & Retail Credit Banking Professional
Pune
Summary
Accomplished Banking Professional from Bank Of Maharashtra, with a 15-year track record in Credit Analysis and Team Management. Excelled in financial due diligence, leveraging Microsoft Excel and LLMS for superior credit risk assessments. Led teams to thrice achieve credit campaign goals, demonstrating exceptional analytical and leadership skills.
Overview
15
15
years of professional experience
6
6
Certifications
Work History
Assistant General Manager : Branch Head
Bank Of Maharashtra
07.2009 - Current
- Banking Professional with 15 years of experience in Credit Analysis.
- Skilled in Analysis of Key Financial statements, Understanding of Industry Parameters , and Legal and Valuation aspects of Collateral securities.
- Have worked as Branch Manager and Credit Processing Cell In-charge, effectively leading teams. Three time achiever in Credit campaign.
- Requirement gathering & analysis of business problem & delivering feasible solutions.
- Use of Advanced Microsoft Excel skills.
- Through knowledge and hands on experience of LLMS (Loan Lifecycle Management Software), & CRISIL ICON for Credit Rating software.
- Calculation of Key Financial ratios for Credit Analysis.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Consistently achieved monthly collection targets by prioritizing accounts based on risk level and potential impact on cash flow.
- Maintained accurate records of all customer interactions, ensuring transparency in reporting and easy access for future reference or legal purposes if necessary.
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Monitored accounts for signs of fraud and non-payment issues.
Education
MBA - Infromation Technology Management & Finance
Institute of Management Technology Ghaziabad
Ghaziabad 04.2001 -
Bachelor of Technology - Electronics & Communication Engineering
Krishna Institute of Engineering & Technology
Ghaziabad, India 04.2001 -
Skills
Credit Analysis
Certification
Digital Transformation Programme from Indian School of Business Mohali
Freelancing
Freelance consultation to international clients on Banking Topics for Guide Point & Third Bridge
Timeline
Joint Training for Credit Officers of Banks & Investigating Officers of CBI from CBI Academy Ghaziabad
06-2024
Digital Transformation Programme from Indian School of Business Mohali
11-2023
Fundamentals of Credit from Corporate Finance Institute
02-2023
Management Development Programme from Indian Institute of Management Indore
01-2023
Business Analytics with Excel from SkillUp
06-2021
Certified Credit Professional from Indian Institute of Banking & Finance
03-2012
Assistant General Manager : Branch Head
Bank Of Maharashtra
07.2009 - Current
MBA - Infromation Technology Management & Finance
Institute of Management Technology Ghaziabad
04.2001 -
Bachelor of Technology - Electronics & Communication Engineering
Krishna Institute of Engineering & Technology
04.2001 -
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