Sathi Guha

Sr. Credit Analyst- Commercial Loan at Mashreq Bank

• Other
• My current job since August 2005

Sr. Manager- Credit at Citibank

• United Arab Emirates - Dubai
• My current job since May 2008

 Entrusted with the responsibility of managing a dedicated portfolio of companies from UAE with a turnover ranging from USD 10 Million to USD 250 Million.
 Identifying any emerging credit risk by conducting counterparty analysis, determining internal risk rating and regular monitoring of counterparty performance.
 Conducting due diligence of fresh as well as annual renewal credit proposals and determining degree of credit risk involved.
 Key person for conducting financial analysis, projections, business model, and business needs, obligor risk rating, market feedback and industry viability.
 Determining creditworthiness of customers by carrying out extensive financial analysis of cash flow, projections, sensitivity analysis and trends using specialist statistical software.
 Scrutinizing the credit applications for ensuring compliance with the credit policy, regulatory framework, procedures of the bank.
 Studying and understanding the business dynamics by liaising and visiting client’s site/factory premises. Meeting the business partners to discuss customer requirements, line structuring and related terms and conditions.
 Single point of contact in the bank for departments such Credit Administration, Operations, Foreign Trade and Financial Institution Group for execution of transactions.

Team Leader - Personnel Loan/Credit Card at GE Counsumer Financial

• Other
• October 2004 to June 2005

Sr. Underwriter-Life at ICICI Prudential life Insurance

• Other
• June 2003 to October 2004