Hitesh Desale
Credit Officer @Punjab National Bank
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WORK HISTORY
Credit Officer @Punjab National Bank
Conduct credit appraisal of MSME and business loan proposals, assessing borrower profile, business viability, industry risk, and repayment capacity for large-value exposures.Perform financial statement analysis (BS, P&L, Cash Flow), ratio and trend analysis to evaluate creditworthiness and risk.Coordinate with advocates, valuers, and CAs/CS for legal, valuation, and financial due diligence as part of the appraisal process.Ensure policy and RBI compliance while working closely with branch teams and stakeholders to support timely credit decisions and sanctions.
EDUCATION
Savitribai Phule Pune University
Bachelor of Science - BS, Mathematics
Shree Chanakya Education Societys Indira School of Business Studies
Master of Business Administration - MBA, Finance
ABOUT HITESH DESALE
Detail-oriented Credit Analyst with hands-on experience in MSME and non-MSME credit assessment, currently working as a Credit Officer at Punjab National Bank. Actively involved in evaluating large-value business loan proposals, with strong expertise in financial statement analysis, credit appraisal, risk assessment, and end-to-end loan processing. Backed by an MBA in Finance and prior experience in retail credit assessment (personal loans) at Kotak Mahindra Bank, seeking to leverage analytical acumen and credit domain knowledge in a challenging Credit Analyst / Risk role within progressive financial institution.
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