If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.
00209256
CAREER HISTORY:
September 2021 – Present
Banking
Credit Analyst
- Working closely with UK GM, Head of Corporate Bank and Senior RMs to underwrite and execute Commercial Real Estate lending proposals in line with group credit risk policies and procedures
- Providing client relationship support to local and international property investors like property companies, pension funds, sovereign wealth funds, insurance companies, corporates etc. who require debt financing collateralised by real estate located in the UK
- Managing relationships with customers, internal stakeholders and liaison with third parties like valuers & external counsel
- Drafting & negotiating term sheets, preparing & presenting credit requests, conducting industry studies & competitive analysis to predict trends for financial projections for existing & potential clients
- Portfolio management, monitoring portfolio performance, covenant compliance and watchlist/ problem accounts post drawdown
July 2019 – September 2021
Banking
Credit Analyst
- Credit and financial analysis of applications for corporates, professional investors and large private banking clients investing in commercial real estate like Buy to Let, Holiday Homes, Purpose Built Student Accommodation, Hotels, Offices, Multi-family Residential & Houses in Multiple Occupation
- Undertaking analysis while adhering to group credit risk policies, rules and regulations and presenting to Credit Committee to guide and influence senior management decisions
- Assigning risk ratings to counterparties for new transactions and periodic reviews
- Performing market research and following industry trends to develop strong commercial awareness
- Reviewing detailed loan documentation to perform final due diligence at loan drawdown
- Monitoring portfolio performance and assisting with watch list accounts & arrears management
- Developed a model to automate the process of calculating client’s group exposure and created a dashboard to monitor compliance with the group limits and country limits
- Making suggestions for the development and enhancement of credit policies and procedures
March 2017 – July 2019
Banking
Credit Analyst
- Evaluating credit proposals for Small and Medium Sized Enterprises loans
- Undertaking cash flow analysis and sensitivity analysis for portfolio with asset classes like residential and commercial Buy to Let, mixed-use buildings and hotels
- Preparing appraisal notes for fund-based facilities including term loans and advances against letter of credit and presenting to Credit Committee
- Monitoring portfolio, identifying early arrears or potential problem accounts, to make recommendations
- Relationship management with internal stakeholders like senior executives, sales team, risk, operations, branch banking and finance
- Monitoring KRIs to identify existing and emerging Credit Risks
- Monitoring arrears, distressed credits and evaluate loan restructuring in line with internal policies
- Experience in complete loan cycle – credit-risk analysis, documentation, disbursement, reporting & monitoring, review and audit queries
May 2012 – December 2015
Banking
Credit Manager
- Promoted to Manager in Apr 2015 within 3 years in recognition of the performance during the tenure
- Ranked 1st out of about 250 Credit Managers across India in following credit and compliance procedures while maintaining the turnaround time with no customer defaults
- Ranked 4th out of about 100 Credit Managers in business promotion in Mar 2014
- Credit underwriting with a personal mandate
- Sole responsibility for end-to-end disbursement process including evaluation of legal and technical aspects of collateral while handling multiple projects at a time
- Assisting implementation of fraud detection and performing compliance reviews
- Strong communication and leadership skills and comfortable discussing financial information with senior stakeholders
- Contributing towards continuous improvement by improved efficiency, evident by reduction in turnaround time by 70%
- Ongoing relationship management with clients and senior stakeholders across Sales, Operations and third parties e.g., valuers, solicitors and brokers
- Contributing towards change management by assisting technological advancement and ensuring each different business area is sufficiently prepared for the impact
- Managed a team of 10 graduates, conducted trainings and problem-solving sessions for Assistant Managers; provide new product information trainings to Sales Executives
February 2007 – July 2011
Chartered Accountants
ACA Apprentice
- Conducting internal audit of an FMCG major (FY 2010 turnover of INR 12.76 billion - GBP 177 million) to ensure design and operating efficiency of internal controls
- Conducting Statutory Audits, Tax Audits and certifications
- Meeting and interviewing clients and analysing accounts and business plans
- Providing tax planning services with reference to existing legislation
- Assisting in research of information for grounds and arguments with respect to litigation filed with Commissioner of Income Tax, Department of Income Tax, India
EDUCATION:
2016 – 2018: The Institute of Chartered Accountants
ACA, Certificate of Membership
2006 – 2012: The Institute of Chartered Accountants
ACA, Certificate of Membership
2009 – 2012: Institute of Distance and Open Learning – University
Masters in Commerce (Accounting and Finance)
2005 – 2008: College of Commerce and Economics
(Ranked 6th in India amongst the Commerce colleges)
Bachelors in Commerce (Accounting and Finance)
ADDITIONAL INFORMATION:
- Trained in drawing and painting for 7 years and holds an Intermediate grade certificate from Director of Art, State Government of Maharashtra, India
If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.
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