Qualified Credit and Compliance/Internal Audit Professional
SAAA Consultants Pvt. Ltd (formerly SAAA Capital Pvt. Ltd)
Total years of experience :9 years, 11 Months
Execute and complete assigned regulatory compliance audit & internal audit projects, for Capital Market License companies as per Monetary Authority of Singapore (MAS) approved framework.
Provide advisory on all compliance matters pertaining to, but not limited to, Securities and Futures Act (SFA), AML/CFT/Sanctions framework, governance (& internal controls), Technology Risk Management, Common Reporting Standards (CRS), PDPA, BCP, Outsourcing, and other MAS notices.
Review policies, procedures and controls on administration of compliance monitoring and on-boarding functions of AML, KYC, CDD, EDD.
Identify gaps, constraints, factors that lead to non-compliance and develop appropriate solutions to ensure compliance and oversee their application by the relevant departments.
Assist in regulatory consultations and reviews, including regulatory submissions, notifications, surveys and request for information.
(Act.) Head of Credit & Sr. Credit Analyst (Oct 2014 - Aug 2016)
Asst. Manager (Jul 2012 - Sep 2014)
Asst. Relationship Manager (Nov 2010 - Jul 2012)
Credit Analyst (May 2007 - Oct 2010)
The Credit Analysis and Credit Administration responsibilities:
o Assess credit worthiness of clients through comprehensive financial analysis.
o Oversee activities of the credit administration such as, but not limited to, collateral management, documentation, credit limits.
o Supervise and mentor interns and experienced team members; ranging from analysts to team leads covering credit administration, loan documentation, credit review and credit analysis.
Loan Agency Management (Syndication) responsibilities:
o To be a primary contact (Agency Director & Officer) and undertake agency role & responsibilities in accordance with the finance documents and internal procedures & controls on a portfolio of deals covering a range of sectors.
o Monitor and oversee loan drawdowns (Club & Syndicated) and participate in processing day to day syndication loan administration, drawdown, rollover, rate fixing, billing, prepayment, fee calculation, repayment and document safe-keeping arrangements.
Project Management responsibilities undertaken:
o Served as a business analyst for corporate banking department; prepare BRD and coordinate with the IT team & external consultants during migration of the banks’ core banking system to Temenos (T24) which was successful completed within the stipulated timeline.
o Coordinate between IT and credit administration to automate, where applicable, day to day processes in the department.
Other Responsibilities:
o Present monthly Credit Risk Management reports for review to the Credit Monitoring Committee (CMC) and Risk committee; highlighting excess limits that have been passed/imminent excess, over dues, delayed payments, concentration risk etc., .
o Follow up of pending issues with front office with regard to CMC Action Points and submit update to Risk Committee.
o Report any exceptions/breach of policy to the Board.
o Participate and engage with Special Asset Management (SAM) Unit in the review of NPL accounts and monitor recovery actions.
o Member and secretary to all the credit risk committee forums of the bank.
o Service individual accounts of HNI through handpicked mutual funds, structured notes, and third-party funds within acceptable risk constraints by the product and client.
Recipient of “Most Valuable Performer” award from CitiBank wealth management division.
o Market and distribute backend technology solutions linked to security systems (such as bio-scripts). Implement SAP (Sales and Distribution module) for various clients and provide training to teams.
o Sales and distribution of heavy engineering equipment’s to the internal units/subsidiaries of Tata Steel, captive mines and domestic customers. Additional responsibility also included maintenance & inspection of mechanical equipment’s.
Awarded Distinction for Project Thesis on "IPO under-pricing in UK Sector"
Awarded Distinction for the Project Thesis on "Engineering Particulate Trap Systems"