Smitha S Naidu Email & Phone Number

A certified Commercial Banking and Credit Analyst® with proven professional expertise in credit risk assessment, underwriting and providing recommendations for lending decisions based on the 5Cs of credit - character, capacity, condition, capital, and collateral. Well experienced in collaborating with internal stakeholders such as credit team, branch managers, senior management, legal, compliance, and technology enabling strategic decision-making. Exhibited leadership skills in conducting one-on-one mentoring and group training sessions for junior associates on Bank’s credit policies and best practices. Proficient in using Microsoft Office suite and navigating proprietary digital banking platforms. As an individual, highly-organized, meticulous, adaptable, independent and proactive. Excellent in communication with full professional fluency in English, conversational in five South Asian languages, currently pursuing professional fluency in French.