MANOJ PATELContact no.:+91 89630 77438, 77340 13359Email: patelmanoj41@gmail.com

CARRIER OBJECTIVEAn experience MBA (Finance & Marketing) Banking professional having ample amount of knowledge in Banking credit, sales and operational and crm function and excellent Financial Analytical and Marketing Skill. Looking ahead for an opportunity to obtain a significant and challenging position to expend my experience, knowledge and interpersonal skill in banking and finance activity for making a meaningful contribution towards organisational growth and development.

CARRER SUMMARY Having 3 years of experience in Banking and Finance field excellent knowledge of credit function

also good knowledge of secured and unsecured loan and financial data and credit risk. Presently I am working in Adarsh Co- Operative Bank Ltd, at Sirohi in credit department and

responsible for Control, Coordinate & Cooperation between 36 branches of Rajasthan and provide Necessary assistant and training regarding credit function and participant in policy making.

Making credit decision regarding credit proposal checking, evaluation and recommendation and appraise to higher authority with merit, demerit & risk involve in credit.

My first posting in rural area at Reodar (Sirohi) Branch where performed Various function Branch Operation activity, Marketing and Business Development, CRM, Cash Management, Customer Awareness activity etc.

I started my career with Cholamandlam Investment and Finance Company Ltd at Abu Road (Sirohi) Branch where I performed various branch Operational functions regarding Vehicle Finance.

PROFESSIONAL EXPERIENCECredit Officer at Adarsh Co-Op, Bank Ltd. (From Sep 2014 to present)Responsible for – Coordinate and Cooperate between 36 branches for various credits & business relating issue and

provide necessary assistant regarding credit. Motivate team for achieve business target. Study customer profile, business, financial position and need of fund for company firm & Individuals

and CMA data for business Credit proposal checking, evaluation and appraise proposal to higher authority with merit, demerit and

risk involve after personal visit. Managing credit process and provide necessary training to branch for effective and efficient credit

function. Managing credit quality and TAT for credit process and healthy branch portfolio. Monitor branch activity regarding Cersai function. Prepare MIS and analysis credit data. Support sales team for business development. Excellent Knowledge and experience of secured and un-secured loan like Retail, Business, Housing,

and MSME finance also Knowledge of project Finance. Excellent knowledge of KYC for different entity like Individual, HUF, Partnership firm, Trust,

Company, AOP and required collateral document for mortgage. Having excellent knowledge of rural consumer habit, perception and there credit worthiness. Also perform various functions like Branch Banking, Business development, CRM, Customer

awareness.Officer at Reodar Branch (From Dec 2013 to August 2014)Responsible for – Business development in rural area both assets and liability product and provide quality product and Services as per customer need. Selling and marketing our product like TD, CASA, Retail and Business Loan etc. Mentioning and identify new customer for mentioning healthy branch portfolio. Maintaining and developing customer and dealer relationship with our quality products and services. Study customer profile and business and need of fund for assist healthy portfolio. Operational activity -Cash management, Voucher authorizing, CRM, Banking awareness activity etc.

Operation Executive Cholamandlam Investment and Vehicle Finance Co. Ltd. At Aburoad (Sirohi) Vehicle Finance Branch (Sep 2013 to Dec 2013)Perform Function – Branch Credit Operation like Pre and post disburse activity. Applicant loan file checking, fulfill the compliance, Cibil generation, punching loan file in system. Cash management, CRM activity, Banking activity. Coordinate and Cooperate with sales team, recovery team and provide necessary assistant, for

efficient and smooth work. Prepare MIS and branch level data as requirement.

ACADEMIC EXPERIANCESummer Training Program45 days summer training program during MBA study at Modern Insulator Ltd., Aburoad ( An insulator Manufacturing Unit) on the topic of ‘- ‘Satisfaction & Effectiveness of Training.’ Where i got knowledge of Training and Procedure and find how to improve the employee productivity with efficient and effectiveness.Live Research Project - 60 days live research project at Udaipur on the topic of ‘Leading Factor That’s Affect Investment Decision in Mutual fund’ In this research program i study of investor decision about Mutual Fund and which type Factor affect this Decision

EDUCATIONAL QUALIFICATIONMaster in Business Administration (Finance-Marketing) Rajasthan Technical University, Kota- in 2014Bachelor in Commerce, Aburoad (Sirohi) Mohanlal Sukhadia University, Udaipur in 2011Senior Secondary School, Aburoad (Sirohi) RBSE, Ajmer in 2008Secondary School, Aburoad (Sirohi) RBSE, Ajmer in 2006

ACHEIVEMENTMy work achievement is always is pro friendly association with our team and its show on our work like maintain TAT, Schedule and Implementation of new task, Participation in decision making, Complete task on time originally it’s not a single effort it’s a team work under my leadership and Guidance.Secured third position in intra college cookery competition.Elected General Secretary in Student Union Election 2011.

HOBBIESReading Case study, Business newspaper, Motivational story and Watching Business news channel Cooking, Playing Chess, Adventure trip etc.

SKILLS SUMMARY Personal - Leadership, Motivational Speaker & Trainer, Effective Communicator etc. Computer Skill - MSOffice (Word, Excel, PowerPoint), Internet explorer. Financial - Portfolio Analysis, Accessing Documentation, Financial Analytical

PERSONALE DETAILD.O.B - August 13, 1989Language Known - English, Hindi, GuajaratiMarital Status - MarriedFather’s Name - Mr Dharam Chand PatelAddress - Mahalaxmi- Saibaba Colony Santpur, Th .Aburoad, Dist.-Sirohi (Rajasthan) 307026DECLARATIONI hereby declare that all the above particulars are true to the best of my knowledge and belief.

(MANOJ PATEL)