sati shamalkh

• Oversaw credit risk reviews, ensuring compliance with policies and PMA regulations, and
delivered actionable insights to the Board of Directors.
• Led pre-approval risk assessments for high-exposure loans, analyzing financial and non-financial
data prior to credit committee decisions.
• Designed comprehensive reports on credit portfolios, covering sectoral breakdowns, NPLs, and
watch list monitoring for executive stakeholders.
• Spearheaded credit portfolio stress testing, vintage analysis, and transition matrix assessments
to evaluate resilience and risk exposure.
• Developed early warning indicators and recommended client downgrades or provisions in
compliance with IFRS9 standards.

• Ensured compliance with credit approval terms before disbursement, conducting contract
reviews and monitoring covenant adherence.
• Streamlined the credit activation process, aligning operational workflows with regulatory and
organizational standards.

• Conducted comprehensive analyses of corporate, SME, microfinance, and retail credit
applications, including cash flow, SWOT, and sectoral assessments.
• Drafted detailed credit proposals and ensured alignment with loan guarantee fund programs.

• Managed savings accounts, deposits, letters of credit (LCs), letters of guarantee (LGs), and
facilities across multiple departments..