Subash Chander Email & Phone Number

Sydney, Australia

• Assessing personal loan applications in compliance with internal policies and external guidelines• Determining Income and ensuring all the serviceability criteria set by the institution are fully complied. • Liaising with internal departments such as Credit and Funding to ensure seamless funding of the loan.• Coordinating with members and advising required documents to progress the application. • Cross selling Loan Repayment Insurance and identifying General Insurance leads.• Assisting Team Leader with escalations, reporting and onboarding new team members

Sydney, Australia

• Responsible for activities related to discharge of securities associated with home and auto loans.• Coordinated with borrowers, solicitors, settlement agents, and brokers to ensure timely settlement.• Handled all funding related activities involving closure of accounts, cancellation of LMI etc.• Ensured full procedural compliance with respect to post settlement of home loans.• Generated and prepared loan documents including contracts, terms & conditions and mortgage• Maintained Personal Loan register by creating encumbrance over vehicles on Veda.• Assisted team leader with internal queries related to account maintenance and variation requests. • Managed escalations by actively arranging the documentation and keeping a constant follow up with all the parties involved. • Maintained and updated security releases database.

Pakistan

Senior Associate – Syndications & Debt Capital Markets (May 2010 - Jan 2015)• Responsible for executing transactions by effectively managing relationships across corporate and financial institutions, and undertaking deal specific activities to achieve successful financial closure. • Conducted research and analysis on targeted companies and transactions pertaining to various sectors (cement, sugar, power, infrastructure, agriculture and telecom), and evaluated business plan and projections for overall transaction analysis, along with analysis of project based and balance sheet based financial models. • Engaged in credit evaluation of proposals pertaining to annual renewal, enhancement and new relationships in compliance with Bank’s internal policy and State Bank of Pakistan (SBP) Prudential Regulations. In addition, ensured compliance with pre & post approval formalities and monitoring of facilities extended, to ensure positive utilization and timely debt servicing. • Responsible for developing term sheets, information briefs/memorandums, for internal approvals and circulation to market transactions. • Appraised Short Term and Long Term finance requirements of clientele in my portfolio and justified proposals for enhancement in credit lines available to the clients. • Managing short term working capital facilities for the customers. • Coordinated with clients, auditors, branches, legal counsels and syndicate members on regular basis along with maintaining correspondence with State Bank & Financial Institutions on executed deals. This includes legal documentation, preparation of different reports and initiation of credit approvals for all the assigned transactions. • Responsible for monitoring of Financial Covenants, preparation of Agency functions where the bank held the agent’s role and keeping track of all the payments, drawdowns, repayments, expiries and maturities of the ongoing transactions

Pakistan

Credit Manager – Branch Credit Department • Effectively handled a consumer loan portfolio which included personal loans, auto loans, house loans and other collateral/cash backed facilities. Strictly complied with the bank’s policies as well as the guidelines provided by the State bank of Pakistan for the processing and monitoring of loans. • Prepared and reviewed all the transaction and security related documents such as Loan Agreement, Letter of Hypothecation, Promissory Note etc. • Ensured documents are properly executed and duly witnessed as to the satisfaction of the bank’s given guidelines and also to the prudential regulations of the regulator.• Arranged for the registration of mortgage deeds with the registrar by procuring services of the property lawyer who is also on the bank approved panel. • Coordinated with clients, auditors, and legal division on regular basis to ensure timely processing.• Appointed property valuators for the assessment of the market value and forced sale value of the property. • Ensured safe custody of all the original documents and maintained a vault in & vault out register. • Monitored and kept complete record of installment payments. In case of late payments ensured timely issuance of late payment notices. Also maintained strong follow up on such cases where the payment is overdue and could result into provisioning of a loan. • Evaluated and assessed customer creditworthiness by procuring a credit check report from the State Bank of Pakistan, and having the references, employment status and salary checked through our concerned department from the employer of the customer. • Arranged for the insurance of the mortgaged properties and kept track of the premium payments. Ensured that the insurance policy adequately covers the major risks.

Master Of Business Administration (M.B.A.), Finance, 3.1 Gpa

Cfa Level 1 - Passed

Bachelor’S Degree, Business/Commerce, General