•Leading a team of 20 Credit Managers who all are MBA/CA/CFA with average work-ex of over 5 years; the team is responsible for Credit Underwriting and Monitoring & Control (M&C) activities for Barclays corporate clients based in UK. The Credit Manager role involves doing financial and non-financial analysis to support lending facilities and writing comprehensive credit proposals for new to bank and existing Barclays Corporate Customers with facilities upto £20 million.•Stakeholder… Show more •Leading a team of 20 Credit Managers who all are MBA/CA/CFA with average work-ex of over 5 years; the team is responsible for Credit Underwriting and Monitoring & Control (M&C) activities for Barclays corporate clients based in UK. The Credit Manager role involves doing financial and non-financial analysis to support lending facilities and writing comprehensive credit proposals for new to bank and existing Barclays Corporate Customers with facilities upto £20 million.•Stakeholder Management: Develop and maintain a close working relationship with Sales team Directors, Credit Sanctioning team and CPO Leadership to position Credit analysis function as a strategic partner to the business.•Hiring, Training and Retention of employees and maintaining balance between their aspirations and organization need. Doing performance appraisal, giving ratings and handling grievances of the team.•Structuring complex deals: Work closely with Origination team in deals with high level of Bank’s exposure, highlighting key risk areas and advising suitable mitigants through appropriate structuring/covenants/security suite for such deals.•Maintaining SLAs (Service Level Agreements) and support the business by operating within cost budgets.•Compliance and Audit: Maintaining Zero tolerance for any risk event and ensure all the Barclays risk policies and procedures are adhered. •Process Improvement: Identifying and deliver on-going improvements to workflows to improve control and productivity•Lead and motivate the team to work in sync with the corporate objectives & motivating them for achieving organization and individual goals Show less

•Credit underwriting of large corporate clients in UK for funding up to £25 million. Working as a member of Middle Office Barclays Bank Corporate Banking Credit team - London.•Appraisal is primarily based on company analysis (both financial and qualitative), Industry analysis and the overall transaction/security structure. Highlight risk concerns and evaluating mitigants while doing the appraisal.•Facility structures/ Product category includes all major corporate banking… Show more •Credit underwriting of large corporate clients in UK for funding up to £25 million. Working as a member of Middle Office Barclays Bank Corporate Banking Credit team - London.•Appraisal is primarily based on company analysis (both financial and qualitative), Industry analysis and the overall transaction/security structure. Highlight risk concerns and evaluating mitigants while doing the appraisal.•Facility structures/ Product category includes all major corporate banking products such as overdrafts, term loans, settlement limits, trading limits like LC’s / BG’s and SFET limits (derivatives)•Responsible for mapped portfolio of corporate clients and taking care of all conquest, interim limits request along with annual reviews.•Regular review & follow up of the existing portfolio. Report credit/risk variances and take proactive measures to establish proper risk management standards/asset quality and audit controls.•Working closely with mapped Relationship Director (RD) & working in partnership with the Post Sanction Case managers, Credit Monitoring team, Coverage team, servicing team and other specialists. Show less

•Worked as Associate Manager in Trade Finance department, Exports Section, responsible to manage day to day trade operations ensuring all Trade and Forex operations are handled meticulously•Areas of responsibility comprised of Handling Export documents, Bills Negotiations/Purchase, and handling Inward Remittances•Working with-in rules and regulation of FEMA/FEDAI and other regulatory authorities, liaising with concurrent and statutory auditors.•Maintain and deepening… Show more •Worked as Associate Manager in Trade Finance department, Exports Section, responsible to manage day to day trade operations ensuring all Trade and Forex operations are handled meticulously•Areas of responsibility comprised of Handling Export documents, Bills Negotiations/Purchase, and handling Inward Remittances•Working with-in rules and regulation of FEMA/FEDAI and other regulatory authorities, liaising with concurrent and statutory auditors.•Maintain and deepening relationship with all Forex clients and provide knowledge based inputs whenever necessary •Tracing Letters of credits / Advance Payments at the earliest from various banks after discounting export documents, including documents under Confirmed Documentary Credit.•Liaison with Treasury and RM teams.•Managing Receivables services and Vendor Finance product portfolio. Show less

•Credit Underwriting of proposals for Mid/SME Corporates, ticket size upto INR 25 cr, assigning them Internal Credit Rating and recommending it to the Credit Committee. •In depth credit appraisal including financial analysis, ratio analysis, business analysis, industry analysis, competitor analysis and the overall transaction/security structure. Clients meeting and Plant visit prior to loan disbursement.•Product Structuring, i.e. Type of financial instrument, security, pricing… Show more •Credit Underwriting of proposals for Mid/SME Corporates, ticket size upto INR 25 cr, assigning them Internal Credit Rating and recommending it to the Credit Committee. •In depth credit appraisal including financial analysis, ratio analysis, business analysis, industry analysis, competitor analysis and the overall transaction/security structure. Clients meeting and Plant visit prior to loan disbursement.•Product Structuring, i.e. Type of financial instrument, security, pricing, tenor, repayment, and other terms of sanctions to suit the needs of the client requirement while ensuring risk factors associated with the facility are adequately mitigated and the transaction structure complies with credit norms of IFCI General Lending Policy.•Monitoring: Regular review & follow up of the existing portfolio. Report credit/risk variances to top management. Take proactive measures to establish proper risk management standards/asset quality and audit controls.•Ensure compliance of credit norms as per IFCI Lending Policy. Liaising with Internal Auditors and Field Auditors. •Post Sanction co-ordination in ensuring disbursement of the facility and coordination with other departments to ensure high level of services to the clients. Show less

• Joined as Probationary Officer and went through On the Job training in different branches of the bank spread across Northern India as per training schedule of Probationary officers. • All the branches were unique in their nature of work and responsibilities. I gained varied work exposure at different branches.Yamunanagar Branch: General banking operations including Cheques Clearing, Account Opening, Banking Transactions, Cash handling, Locker operations & Loans against Fixed… Show more • Joined as Probationary Officer and went through On the Job training in different branches of the bank spread across Northern India as per training schedule of Probationary officers. • All the branches were unique in their nature of work and responsibilities. I gained varied work exposure at different branches.Yamunanagar Branch: General banking operations including Cheques Clearing, Account Opening, Banking Transactions, Cash handling, Locker operations & Loans against Fixed Deposits etc. Panipat Branch: SME advances including Appraisal, Legal Documentation and Follow up of Credit facilities, Home Loans, Education Loans, Car Loan & other Retail Loans. Show less