Credit Analyst
National Bank of Umm Al Qaiwain
مجموع سنوات الخبرة :16 years, 3 أشهر
Over seeing comprehensive study of the credit worthiness during the process of sanctioning credit /loan to corporate Banking clients through primary and secondary researches. It also involves credit structuring of proposals in line with th strategic/credit policies laid down by the bank.
Understand the Business Model, critical analysis of the business and financial model, financial ratio analysis, preparing appraisal reports to support the credit lending decision covering industry, Business, financial and Management Risk.
Presenting high level proposals to the Credit committee with strengths and risk of each case to support lending decisions in conjunction with the credit policies of the Bank.
Products dealt in cash credit, Overdraft, Bank Guarantee, Letter of Credit, Term Loan and other working capital requirements.
Detailed portfolio Analysis and monitoring which includes market sensing, account conduct, tracking economic and industry developments.
Managing existing client Portfolio: monitoring credit risk, preparing annual reviews.
Managing and Enhancing the existing portfolio.
Preparing proposals, Memo, temporary Credit Authorization requests and handling of queries from customers and acros the departments.
Developing and maintaining strong working relations with all existing clients at key level to optimize the utilization of approved facilities.
Implement and maintain control aspects, ie; financial statements of statement of accounts, documentation, periodical client visit if necessary and client visit call report.
Job Profile
Analyst in J P Morgan Chase (JPMC)Bangalore: 23rd Aug 2010 to 14th May 2012
Job profile:
I have been deployed for a project named, ‘Futures & Options Schedule Remediation’. This includes the evaluation of commission & interest charged on the clients currently, the actual commission & interest to be charged and thus calculating the financial impact on the same.
This project also includes the correction of systems, which are used as the electronic platform for F&O trades, to ensure the correct input of the data and to ensure client trades accurately and not over charged and under charged.
Additionally, prepared the checklist, secondary check, four eye check and other control measures as a part of ‘Quality assurance’ task of the process.
System/applications worked with:
Quality Assurance- Have worked closely with the risk team to assure the quality of output for each process is 100%, all the control measures have been taken to mitigate the risk of causing errors, ensuring to strict adherence to the policies/procedures of JP Morgan Chase and the relevant line of business (LOB).
GMI - Mainframe application; the trades directly hit this system from the stock exchange, after the trades are executed automatically; for the manually booked trades, inputs are keyed in manually. To find out what is charging and why and rectify, if necessary was a part of my roles.
Osprey - Web based applications used by the relationship managers to write down the commission rates to be charged for each of the clients along with the billing type, interest etc.
Awards & Achievements
• ACE Award winner for a project completed successfully with limited period.
• Part of the BRAVO Team Award
Worked as an officer in Royal Bank of Scotland (ACES), Chennai from February 2008 to December 2009.
RBS is an international bank with European roots and a clear focus on consumer banking, commercial banking and investment banking, strongly supported by an international wholesale business.
Scope Of Work
Role Performed: Officer
Department: Reference Data Management
Location: Chennai
My role as a Analyst in 'Credit Administration' involves the following
• Reference data management involves in counterparty setup for external, internal, Deposit Accounts.
• Analyzing the varying Loan limit, facility etc and delivering the same to various internal and external clients including corporate clients at trading, through various systems and applications.
• Standard settlement Instructions set up & maintained for high corporate clients
• Credit Admin known as RBS corporate loans business.
• Cross trained in Derivatives and Account Masters
Department: Derivatives
My role as a Data Analyst in 'Reference Data Management -Derivatives department of Investment Banking involved the following: • Creating and Maintaining the Static data for the Trades.
• Static data includes Counterparty setup, Book setup, settlements instructions.
• Investigating various systems to solve any mismatches/glitches in trades to ensure timely and accurate trade settlement. This involves a thorough knowledge in the various issues like systems involved in the process, SWIFT messages, types of securities trading etc.,
• Solving any issues in any of the above within stipulated SLA (Service Level Agreement) time by liaising with middle Office desks in London, Mumbai, United States and few other European countries.
Systems work with
• Trading Platform - Murex Raider, Creds, Osiris, Ronnie, Mark
• Back office System - Devon, Murex
• Source System - Bloomberg, Reuters
Roles & Responsibilities
• In charge for handling clients/front Office and Middle Office queries on Static.
• Handling Projects and effectively delegating the same among all the team members.
• Submitting Month-End Reporting, MIS and periodic reports for all projects done by the members of the team.
• Handling Checklist verification and recording on a daily basis. Checklist verification involves ensuring all members in the team complete their individual responsibilities
• Validating the data inputted by the members of the team.
• Conducting peer audits, Preparation of BCP (Business Continuity Plan) documents.
• Maintain and Reviewing of Job aids, System Guides and Procedures.
• Acting as an ISMS Audit Core Member.
Client Data Management
Treasury, Foreign Exchange and Money Market
Awards & Achievements
• Recipient of the ACE BRAVO Recognition Award for the year 2008 for superior performance delivery.
• Part of the BRAVO Team Award
• Certified for quality improvements and quality control project.
• Core member of a project team involved in successful migration of operations.
• Successfully handled Group Audit 2008 in Credit Administration Team.
Work Experience: Worked as Customer Support Officer for Allsec Technologies Ltd Chennai from 21 Aug 2006 to 30 Aug 2007.
Bachelor of Business Management C.S.I Bishop Appasamy College of Arts and Science, Bharathiar University 2003 -2006
XII Green Valley School 2003
X Breeks School 2001