Head of Market & Credit Analysis Unit
Warba Bank
Total years of experience :15 years, 11 Months
Head of Market & Analysis Unit- Corporate Banking Group for Warba Bank which involves managing a team of financial analysts and this role includes the below key responsibilities:
• To oversee all aspects of research and credit analysis reports which includes the review of financial analysis reports prepared by individual analysts, analysis of complex financials with recommendations while explaining their operating performance, financial position, asset quality, liquidity, cash management etc.
• To review spreadsheets and risk ratings as required by Bank’s credit policy.
• To formulate KPIs for the team and to review staff performance against the KPIs.
• To manage the workflow/allocation of cases for individual analysts towards different business units and monitor the progress and follow up for timely completion.
• To support the CBG Senior Management for special assignments.
• To ensure the skill development of team members and support for their training requirements., peer analysis etc.
Corporate Banking Division - Manager, Credit Analysis.
Role Summary-Appraisal and review of existing and new customers under the Corporate Banking department for fund & non-fund based Islamic financing products while ensuring adherence to the bank’s credit and risk management policies in a Sharia compliant business environment.
• Preparation of financial spreadsheets and finalisation of credit rating score using credit rating models like Moody’s financial analyst and analysing financial ratios to understand the financial position of the company.
• Preparation of detailed credit assessment notes in line with corporate credit underwriting standards covering in-depth analysis of business model and client background, management, industry, financial statements, collateral structure, cash flow, risk review & mitigates, due diligence, Profitability, Peer analysis etc.
• Evaluation of the key credit strengths, weaknesses, risks & sensitivity factors of the proposal to facilitate credit decisioning.
• Provide recommendations to the sanctioning authority for approval and liase with the risk department towards a reduced TAT for approval.
• Ensures timely renewal of existing cases and other client requests for the allocated portfolio of clients which includes high value corporate banking relationships from Contracting, Real Estate, Infrastructure, Project financing, Trading and other SME clients.
• Monitors the assigned portfolio for compliance of covenants, approved terms and conditions, stress tests towards maintenance of portfolio quality.
• Preparation of market research reports on behalf of the bank for specific industry sectors as per the bank’s requirements and corporate writing standards.
• Preparation of internal reports to facilitate prudent monitoring of the portfolio as per management requirements.
Relationship Manager, Senior Manager
Role Summary-Handled an existing portfolio of 35 SME/ Mid Corporate clients totalling around USD 50 Million and in- charge of acquisition and review of new clients with credit limits above USD 1.2 Million credit limit for Coimbatore Centre supported by the bank’s network branches.
• Appraisal and review of the credit proposals for new and existing clients covering Trading, Pharmaceuticals, Manufacturing, Textiles, Gold and Precious metals, Food and Beverages, Engineering and other segments in the Corporate and Mid- Corporate segment.
• Structuring proposals as per the client requirements and presentation of the same in line with the bank’s internal requirements in adherence to the risk appetite and revenue expectations of the bank.
• Responsible for the achievement of specified fee income budget, new to bank budget, net interest income budget, reduction of gross slippages, completion of security creation on time, cross sell targets, priority sector lending budgets,
• Followed up towards timely completion of client renewal/enhancement proposals.
Portfolio Manager/ Relationship Manager (Feb’2011 - Sep’2014)
Role Summary-Promoted to this role from the Credit Analyst role in this bank earlier and managed an existing portfolio of 35 customers totalling around
USD 40 million and in- charge of new client acquisition.Worked towards enhancing revenues by deepening the relationship for cash and non-cash financing products with focus on fee income, NTB, NII etc.
Responsible for prudent monitoring, completion of reviews and renewals of the allocated portfolio on time.
Post sanctions coordination for execution of documentation and disbursement of limits for the allocated accounts and new clients.
Track the due dates of renewal. Ensure that all reviews are completed (including documentation) within timeframe in a proactive manner.
Complete monitoring of the credit/operational risks in the portfolio.
Ensured that all deferrals (KYC, disbursals etc.) are followed upon for completion before the due date.
Followed up on irregular accounts and work with the collection team on the recovery from these accounts.
Ensured that the overall audit rating for the unit remains above satisfactory level.
Maintained proactive and cordial relationship with product partners including Credit approvers, Loan documentation departments, etc.
Credit Analyst (July’2008 - Feb’2011) - Placed from campus after MBA from Alliance Business Academy, Bangalore University.
Role Summary-Credit in charge for the appraisal and review of an existing portfolio of 35 customers totalling around USD 40 million and carried out detailed assessments for New to Bank Corporate and Mid- Corporate clients in line with the bank’s internal policies.
Pre-Sanction:
• Identifying prospective clients and structuring deals for the team.
• Credit assessment and analysis of new cases sourced by RM’s.
• In- depth understanding about the customer’s business model, background, operations, business & industry prospects through quantitative and qualitative analysis.
• Financial analysis and credit grading through credit applications like Credit rating applications like Moody’s financial analyst and other credit rating models.
• Recommend risk mitigation strategies to address the risks identified.
• Undertaken required back ground checks for due diligence.
• Putting up the proposals in compliance with group underwriting standards.
• Resolution of clarifications and follow up with Risk team for a speedy approval.
Post sanction:
• Ensuring disbursal documentation compliance.
Portfolio Maintenance
• Analysing customers Balance Sheets periodically and putting up cases for timely renewal/enhancements.
• Prompt control over pending deferrals/ covenants and follow- up for closure.
• Ensuring portfolio gets a favourable rating from internal and external auditors.
• Ensuring effective MIS Generation on a regular and as agreed upon interval.
Master of Business Administration (Bangalore University), Alliance Business Academy, Finance and Marketing (2006-08) Bachelor of Business Administration-(M.G University)-University Topper-2003-06 National Rank Holder in All India Scholarship Exam. Best Outgoing Student at College for 2006. Class Representative of MBA BU (Elected) 2006-07 & 07-08.