1. Brief SynopsisBrief Synopsis
Current OrganisationCurrent Organisation :: Vastu Housing Finance Corporation Ltd. “Location Credit
Manager” for Mumbai with Sanction authority of Rs. 10 lacs for the products Home loan
and LAP. Currently managing Kalyan Branch and team.
Previous OrganisationPrevious Organisation :: Janalakshmi Financial Services Ltd. “Credit Manager” with Loan
Sanction authority of Rs. 3 lacs for the products Business loan and LAP and Rs.15 lacs for
secured loan (LAP). Promoted from Senior Credit Under writer to Credit Manager within
9 months. Managed Andheri branch and two locations Indore & Bhopal.
Relevant ExpérienceRelevant Expérience : 14 years. More than 8 years of expérience as a Underwriter for Secured and: 14 years. More than 8 years of expérience as a Underwriter for Secured and
Unsercured Product.Unsercured Product.
Current Résidence LocationCurrent Résidence Location : Chembur, Mumbai.: Chembur, Mumbai.
Home TownHome Town : Mumbai.: Mumbai.
Notice PeriodNotice Period : Three Months.: Three Months.
Qualifications : B.com, M.B.A specialization in Finance, Diploma in software Engi. from Aptech.B.com, M.B.A specialization in Finance, Diploma in software Engi. from Aptech.
Other activities, then regular office work:Other activities, then regular office work:
 Made excel based template whichMade excel based template which highlightshighlights thethe deviationsdeviations automaticallyautomatically..
 In Money Matters played role in developing Loan Management System (A2A).In Money Matters played role in developing Loan Management System (A2A).
 In Barclays Bank developed ERP system for Loan Management.In Barclays Bank developed ERP system for Loan Management.
 Participated in charity activities done for physically challenged people, organized by Barclays Bank.Participated in charity activities done for physically challenged people, organized by Barclays Bank.
Core intension to the get job : To develop the team, department, company.
Reason for change : Better growth & prospects.
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2. CURRICULUM VITAE
Chandrashekhar B. Mhatre
Contact No.
Cell Number
9967007871
Email Id:
Chandrashekhar.Mhatre@vastuhfc.co
m
shekhars_inbox@yahoo.com
Address for Correspondence:-
D/97, 15th
Road, Near pawanputra
gym, Gavthan, Chembur, Mumbai-71.
PERMANENT ADDRESS:
Same as above.
PERSONAL DATA:
Father’s Name : Shri Bhalchandra
Date of birth : 06-02-1976
Sex : Male
Nationality : Indian
Marital status : Married
Objective:
To seek a challenging and responsible task in a professionally
managed organization, where my knowledge and capabilities can
be effectively and efficiently utilized.
Work Experience
Company: - Vastu Housing Finance Corporation Limited.
Branch:- Kalyan.
Designation: - Location Credit Manager for Mumbai.
Sanction Authority:- Rs. 10 Lacs for Home Loans and LAP.
Experience:- From September 2016 to Till date.
Career challenge:-
Managed Branch:- Managing Kalyan.
Managed team members.
Core expertise:
1) Branch target/Audit responsibility.
2) Evaluation of financial ratios and Bank statement analysis.
3) Underwriting of Home & LAP.
4) Prepare Financial Highlights of firm.
5) Recommending and sanctioning the case on System.
6) Well versed in managing the branch activities and
Operations activity.
Job Responsibility Included. :-
 Manages the business/target of Branch.
 Gives product training to the sales team.
 Responsible for Audit.
 Visit builder, D.S.A. and Vendors for feedback.
 Analyze credit data and financial statements to determine the
degree of risk involved in extending credit or lending money.
 Analyze the bank behavior of the client from bank statement.
 Compare profitability and credit histories of establishments being
evaluated with those of similar establishments in the same
industries.
 To check the Cibil and High Mark of the customer who have
applied for the loan.
 To check the market reference, online checks.
 To do the personal discussion with the client who have applied for
loan.
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3.  Prepare reports that include the degree of risk involved in
extending credit or lending money.
 Update the status of the applications on “Mifine-Loan
management System” recommendations, approvals or Rejections.
About Vastu Housing Finance Corporation Ltd. –
VHFCL is Non Banking Finance Company, Head office based in
Worli, Mumbai. Started the firm in the year January 2016.
www.vastuhfc.com
Previous Working Profile –
Company: - Janalakshmi Financial Services Ltd. (Company has
become Small Bank- Approved by RBI)
Designation: - Credit Manager.
Sanction Authority:- Rs. 3 Lacs for Unsecured loans and Rs.15
lacs for Secured loans (LAP)
Experience:- From May 2013 to September 2016.
Career challenge:-
Managed Branch:- Successfully managed Andheri, Mumbai.
Managed Two Locations:- Successfully managed two cities
Indore & Bhopal, single handedly.
Core expertise:
1) Branch target/Audit responsibility.
2) Prepare banking MIS.
3) Financial and Bank statement analysis.
4) Evaluation of financial ratios.
5) Underwriting of MSME & LAP.
6) Prepare Financial Highlights of firm.
7) Recommending and sanctioning the case on System.
8) Well worse with Operation activities.
9) Handles the branch activities located in Andheri,
Mumbai.
Job Responsibility Included. :-
 Manages the business/target of Branch.
 Gives product training to the sales team.
 Responsible for Audit.
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4.  Visit RCP, Vendor for feedback.
 Analyze credit data and financial statements to determine the
degree of risk involved in extending credit or lending money.
 Analyze the bank behavior of the client from bank statement.
 Compare profitability and credit histories of establishments being
evaluated with those of similar establishments in the same
industries.
 To check the Cibil of the customer who have applied for the loan.
 To check the market reference, online checks.
 To do the personal discussion with the client who have applied for
loan.
 Prepare reports that include the degree of risk involved in
extending credit or lending money.
 Update the status of the applications on “SFDC ERP System”
recommendations, approvals or Rejections.
 Do all Post Disbursement formalities after Sanctioned.
 Familiar with operations activity like loan account creation, RTGS,
PDC Management with EMI presentation. Sending request for
posting EMI bounce collected money and cross verifies it on
Flexcube system.
About Janalakshmi Financial Services Ltd. –
JFSL is Non Banking Finance Company, Head office based in
Banglore, Company has got Small Bank License.
www.janalakshmi.com
Previous Working Profile –
Company: - Money Matters Financial Services Ltd.
Designation: - Executive
Area – Goregaon
Experience:- From 6th
Nov. 2012 to April 2013.
Reason to leave the organization: Got the Desired profile.
Job Responsibility Included :-
 Same responsibilities like Barclays Bank.
Company: - Barclays Bank
Designation: - Credit Officer
Area - Worli
Experience:- From April 2007 to 16th
Dec. 2011.
Reason to leave the organization:
Due to financial crises arises in U.k. in 2011 force to leave the job.
Job Responsibility Included. :-
 Check loan application as per login checklist
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5.  Analysis the provide banking & financials.
 Filing necessary verification reports
 Seek appointment & involve in Personal
Discussion.
 Recommend the case for higher authority for
sanctioning the loan application.
 Check for all important documents in file prior
disbursement & send it to operations for
payment.
Education:
COURSE YEAR Institute/Board/University
B.Com. 2002 Maharshi Dayanand College Mumbai
H.S.C (Maths) 1995 Maharshi Dayanand College Mumbai
S.S.C. 1992 Chembur High school, Mmbai
Professional Qualification:
 M.B.A. from ITM (Institute of Technology & Management,
Sion. Affiliated to Southern New Hamshire University, USA.)
http://www.itm.edu/aboutus.php
Degree - Master of Business Administration.
Specialization – Finance (Waiting for Final result)
 Completed Diploma in Software from Aptech-Dadar, in 2000.
Hobbies & Interests:
 Internet Surfing
 Watching Cricket
 Listen to Music
Strength
 Creative Problem Solver.
 Effective Written and Verbal communication skills.
 Eager to learn new things.
 Positive Attitude.
Language Dexterity
English, Hindi, Marathi.
I assure you that if given a chance to prove my abilities, I shall put
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6. my best.
Date: / /2016.
Place: Mumbai (Chandrashekhar B. Mhatre)
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7. my best.
Date: / /2016.
Place: Mumbai (Chandrashekhar B. Mhatre)
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