- Diligent Bank Credit and Loan Manager (AVP Level) - Developing & implementing innovative strategies to drive growth in Credit Risk Management initiatives. - Utilising over 10 years of experience in Credit Risk Management, Investment Banking Operations, Investments, and Team Management.- Focused on meeting customer needs by drawing on sound knowledge of private and commercial loan management.- Certified IB Operations professional with extensive experience in Credit Risk Management and Team Management.- Expertise in conducting thorough assessments of credit applications, evaluating the creditworthiness of individuals and businesses; implementing risk scoring models & methodologies to quantify and categorize credit risks.- Established strong client connections, guaranteed top-notch product delivery, and executed efficient credit underwriting strategies to drive business success.- Skilled in analysing & monitoring the overall credit portfolio to identify trends, concentrations, and potential risks; initiating risk monitoring systems to provide real-time updates on the credit quality of the portfolio.- Interfaced with clients, suggested viable products & solutions, developed relations with them for securing repeat business and ensured quality delivery of products to the clients.- Evaluated necessary documentation & files as per the applicant profile and ensured that documents for application were completed correctly with the required authorisation & signatures.- Devised & implemented effective collection plan, risk frameworks and credit underwriting process.- Proficient in conducting reconciliation of cash and securities transactions across multiple investment products and platforms.- Excellent management skills, capable of leading & motivating teams and engaging with cross-functional individuals to maximize levels of productivity.
