If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.

00026019

PROFILE:

A Diligent real estate Credit risk manager with 15+ years of commercial experience within Banking & Financial services. A proven track record in all operational functions, with particular emphasis on commercial performance to access credit and risk within the business. Confident in credit analysis, problem solving, skilled in interpreting financial accounts to promote safe and sustainable investment to reduce risk to the business. A determined and highly organised individual, with a strong work ethic, and proven ability to manage projects, strict budgets and timescales. Quickly understand internal and external client’s expectation and business position, it’s strength and development areas. Developed change processes and system to improve credit risk management and streamline the process.

ACHIEVEMENTS:

• Reduce the amount of credit being given to risky business by 10% through the creation of specific analytical tools and control checks.
• Delivered a new product line of consumer credit increasing revenue for the business by 5%, includes creating , establish and implement risk strategy, policies and procedures.
• Improved customer service satisfaction 3% annually through taking feedback of customers & educating them about i-banking.
• Improved Employee satisfaction level by 8 % through coordinating concerns of the staff in ESAT forum of operations resulting in more productivity.
• Managed Operations of Belgium in absence of Operations manager for one month resulting in exceptionally good customer servicing.
• Cost reduction of the company by 5% in terms of saving printer & paper cost by setting the online process of nostro reconciliation & trade.
• Taken over & accomplished clean up exercise by introducing & improvising system of document management resulted in saving time & high productivity.
• Migration of the processes saving cost & improves service level by 50%.
• Developed and implemented client service program, which expanded small-to-medium client base 35% and improved overall support service level by 20%.

CAREER HISTORY:

April 2025 – PRESENT

BANKING

CREDIT RISK MANAGER (UK Market)

• Support the design & implementation of the bank’s strategy.
• Independently assess, critically evaluate lending applications, prepare and submit credit proposals for presentation to Sanctioning Committee.
• Ensure quick turnaround of credit requests while maintaining quality, accuracy and adherence to risk appetite, policies, and procedures.
• Conduct detailed credit evaluations of new and existing lending facilities, with a focus on UK property finance and SMEs.
• Develop and implement credit risk policies and frameworks in line with regulatory standards and the bank’s risk appetite.
• Ensure accurate application of risk weights to asset classes in compliance with PRA guidelines.
• Lead the credit analysis process, including scorecard methodology, affordability testing, interest rate stress testing, and impairment assessments.
• Reviewing credit proposals, ensuring compliance with credit risk criteria and regulatory standards.
• Monitor and manage the credit portfolio, identifying and addressing potential risks.
• Ensuring all credit activities meet PRA standards and other regulatory requirements.
• Prepare and present credit risk reports to senior management and the Board, highlighting key exposures and mitigation strategies.
• Liaise with regulatory bodies, responding to queries and providing relevant documentation.
• Enhancing the governance of lending decisions, ensuring consistency with the bank’s risk management framework.
• Oversee in-life credit facilities to ensure ongoing compliance and performance.
• Address the backlog of annual reviews and ensure timely review of all credit facilities.
• Collaborate with Risk, Compliance, and Finance teams to ensure a unified approach to credit risk management.
• Contribute to the RCSA process by reviewing credit processes and identifying areas that may have control failures and determine mitigants

September 2022 - April 2025

BANKING

CRE/DEVELOPMENT FINANCE- MANAGER (UK Market)

• Support the design & implementation of the bank’s strategy in development finance.
• Independently assess, critically evaluate lending applications, prepare and submit credit proposals for presentation to Sanctioning Committee.
• Managing all transactions from credit assessment through sanction to completion including documentation formalities and stage wise drawdowns.
• Reviewing and analysing development loans along with the documentation available.
• Monitoring of existing loan portfolio, identifying early arrears or potential problem accounts and making necessary recommendations.
• Ensure the credit decisions are made within regulatory standards and adhere to TCF principles and Customer First standards.
• Support to the Chief Credit Officer in all operational areas of Development Finance in the Credit Department.
• Ensure that all clients are fully compliant with the Bank’s AML/KYC policies and procedures.
• Manage relevant Management Information and ensure appropriate action as required.
• Liaising with Solicitors / Valuation Firms for end-to-end solution for credit proposals.
• Liaising with Project Monitoring Consultants for stage-wise disbursements as well as monitoring project progress ( viz Project milestones) by regular follow up and visits, if required.
• Presentation to Credit Committee and other respective committees for introduction and renewal of new / existing products.

January 2020 - August 2022

BANKING

CREDIT RISK- MANAGER (UK Market)

• Analysing, assessing credit proposal independently and mitigating risk.
• Managing the credit control function and minimising the risk of bad debt.
• Ensuring limits are within the bank appetite and acceptable range.
• Liaise with business units on credit requirement, approvals as per bank policy and ongoing relationship management.
• Collect and analyse borrower reports from various re-sources and compiling it for reporting purposes.
• Manage and monitor portfolio of corporate, CRE, Development and BTL Loan including annual and quarterly reviews and adhoc waiver requests.
• Analyse economic and market events and their impact on the portfolio of counterparties managed.
• Assess the ratings of the counterparty and credit positioning.
• Discuss significant credit risks with senior management.
• Conduct stress and scenario testing and analysis of portfolio.
• Ensure all transactions have full and proper documentation.
• Ensure credit protection is fully understood and utilize.
• Second line of defence responsibilities relating to credit, reputational and strategic risk management.
• Attending relevant credit approval committees and relevant business line focus groups.
• Present and make recommendation to credit approval committee.
• Reviewing and analysing development loans along with the documentation available.
• Reviewing credit policies and guidelines as per statutory regulations.
• Liaising with solicitors and surveyors in arranging security documents and creating charge of collateral on bank in view to avoid any fraudulent activities.
• Preparing the reports on credit risk and financial reporting for the credit application, monthly and annually for the risk and credit audit committee. Circulating weekly, monthly, Quarterly and yearly reports in Excel and statistics to senior management.
• Managing property valuation, insurances and Loan portfolio.
• Proactively taking projects / assignments from time to time on ad hoc basis.
• Guiding and coaching junior staff members on issues and concerns related to credit functioning.

July 2015 - December 2019

BANKING

Manager, Credit & Trade Finance

• Responsible for the improving the day-to-day operational workflow for the credit department to support healthy growth for retail/investment banking within the UK market.
• Had hands-on-role within a small team to process the portfolio of $500m for 60-65 corporate clients for their lending portfolio requirement and the purpose of the loan.
• Supported the Head of Credit to improve the credit risk system to streamline processes and to ensure that data is up-to-date and accurate.
• Visiting and inspecting of client premises for evaluation of the properties and other collaterals securities, preparing the credit approval note for sanctioning of the Loan facilities as per the regulatory guideline within the agreed business risk.
• Drafting credit loan strategy, policies, models and controls for risk.
• Preparing the reports on credit risk and financial reporting for the credit application, monthly and annually for the risk and credit audit committee. Circulating weekly, monthly, Quarterly and yearly reports in Excel and statistics to senior management.
• Liaising with solicitors and surveyors in arranging security documents and creating charge of collateral on bank in view to avoid any fraudulent activities.
• Arranging for the credit sanctioned funds liaising with the Treasury well in advance and approving limits for loan disbursed by backend operations.
• Ensuring all the relevant regulatory terms and condition are compliant before disbursement.
• Monitoring and controlling the facilities disbursed.
• Managing property valuation, insurances and Loan portfolio.
• Reviewing the loans on yearly basis to check the flow of the interests and repayments.
• Ensuring that all the securities and post disbursement terms & conditions are complied
• Liaise with customers regarding discrepancies in documents presented under documentary credits and maintain all internal processes and procedures.
• Maintained up-to-date files of each document successfully negotiated up to the closure of the file and successfully completed miscellaneous credit department works as advised by Head of Credit.

March 2014 - July 2015

BANKING

Senior Trade Finance Analyst

• Drafted and implemented inhouse trade finance workflow process for London office with control and monitoring functions.
• Design the Excel templates for automation of sending advise, dues and follow up along with verification with treasury desk.
• Revised and simplified discounting of bills collection, inwards/ outwards / invoice discounting, buyers credits, risk participation and letter of credit workflows.
• Regularly made the recommendations for policy revisions as per the UCP 600, ISBP 745, URR 725 and its articles for sanctioned countries.
• Briefing to juniors and peer group on the regular changes of the new policies and procedures.

August 2012 - July 2014

BANKING

Manager, Loan Portfolio, Germany & UK

• Successful implemented the digitisation for the loan documentation. This project included the harmonisation of the best practices for DMS, training to overseas & UK staffs, data cleansing and data verification.
• Monitoring and controlling iCore administration system with changes and status updates on daily basis through the documentation and financials furnished by the clients.
• Controlling, monitoring and validating reconciliation of Operational risk on daily basis.
• Maintaining and liaising with treasury for cash position of the bank on daily and weekly basis and reporting back to senior management.
• Identifying gaps & process improvisation to bridge process gaps/ errors while managing Offshore centralised processing unit for Germany Operations in India.
• Reviewing SLA’s & implementing process improvements & migration of processes for German and UK business function.
• Creating and verifying weekly, monthly and quarterly MIS reports for regulatory reporting by preparing MIS & adhoc adhering to compliance requirement.
• Manages syndication & Bilateral Loans (Drawdowns, Roll over & repayments)

August 2007 - July 2010

BANKING

Manager, Treasury Middle Office

• Preparation of various MIS data reports for banks/ financial institutions for senior management with data analysis.
• Preparation of the Capital adequacy report of the previous day (Ins and Outs report)
• Reconciliation of the Nostro Balances (Forecast V/S actual balances)
• Root cause analysis for the difference in the Nostro balances (Forecast V/S actual balances) exceeding tolerance level to the head of treasury.
• Changed the workflow to introduce MIFID compliance for drafting/dispatching letter to Banks / financial institute.
• Initiation, setup and migration of UK treasury operations to offshore centralised processing unit in Mumbai, India. And reviewed offshore centre SLA’s for process migration and improvements.

Trade Finance

• Performing due diligence on trade finance documents, Informing and following up of any discrepancies in documentation to foreign bank and parties involved.
• Monitoring and controlling of the trade finance desk at centralised processing unit in India.
• Managing and controlling Trade Finance desk (Import Collection, Export Advising, LC Advising, Buyers Credit)

2005 - 2007

BANKING

Branch Operation Manager

• Launched new hi-tech branch and managed day-to-day operational activities with 32 staff members.
• Responsible for cash & inventory management ( i.e. cheque, drafts ) with strict control over the retention limit.
• Conducted digitisation training for internet and phone banking
• Build the strong HNI customer base of 85 as a relationship manager
• Verifying transactions and new customer verification conducted by personal bankers, tellers and assistant manager adhering to bank and financial regulator (RBI) guidelines, policies & procedures.
• Managed the team of 32 personal bankers, Operational staff and assistant manager.
• Awarded for exceptional customer servicing in the branch.

1999 - 2005

BANKING

• Worked within unit of 22 strong team members to launch credit card across major cities in India
• Was responsible for risk profiling of the credit card application based on the systems used for risk management.
• Authorisation for the client application based on different risk model. i.e CAS , Globestar and WCC.
• Generating MIS reports for department head and country head with analysis and highlighting the area of risk.
• Managing third party verification agency (CPA) and providing training for compliance & internal regulation.
• Reviewing and approving credit limit of customers depending upon financial profile.
• Point of contact for escalated cases to reach amicable resolution

SKILLS:

• Credit Risk hands on experience
• Lead within a team with Proactive & Positive approach.
• Excellent interpersonal & relationship management skills.
• Firm believer in win- win strategy.
• Consumer Lending
• Advance user of Microsoft office (Excel, Word & power point)

EDUCATION :

1994 - 1997: University

Batchelors of Commerce

(Accountancy, Economics, Statists, Business Studies)

1997 - 1998

Diploma in Global National Institute of Sales

Entrance exams of Company secretary.

INTERESTS:

Meditation, Yoga and Fitness; Spirit tasting

References Available Upon Request

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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