Zehra Kothari Email & Phone Number

Australia

Highlights: Recognition from senior management on handling of high watch accounts• Manage portfolio performance of customers with revenue upto $100m by reviewing and assessing ongoing credit, project completion, documentation, operational and security risks. This involves preparation of Credit memorandum. • Engage with Business Development, Credit, and Legal Teams during the documentation and execution phase of a transaction. • Manage all administrative aspects of the allocated… Show more Highlights: Recognition from senior management on handling of high watch accounts• Manage portfolio performance of customers with revenue upto $100m by reviewing and assessing ongoing credit, project completion, documentation, operational and security risks. This involves preparation of Credit memorandum. • Engage with Business Development, Credit, and Legal Teams during the documentation and execution phase of a transaction. • Manage all administrative aspects of the allocated portfolio including drawdowns, repayments, and reporting of transaction details & exposures. • Manage relationships with customers and visit their office & factory premises.• Identify facilities with a deteriorating risk profile and ensure the facility undergoes an appropriate level of intensive management. • Assist in the management of non-performing facilities, proactively reporting on risk issues, and assist with the implementation of loss-minimization strategies.• Ensure compliance of client covenant and reporting obligations• Mentor administration officers on complex transactions. Show less

Barangaroo, New South Wales, Australia

Highlights: Recognition email from General Manager of Private Bank for a curly transaction• Credit underwriting for complex consumer and commercial lending applications for home loans, investment loans, business loans and development loans. • Average loan size of AUD 15Mn with largest deal size being AUD 32.5Mn (largest for the team in 5 years).• Customer meetings.• Vetting loan offer documents in compliance with Consumer Act before sending to customer for execution.

Alexandria, New South Wales, Australia

Highlights: “Spirit of Excellence” award and Deal of the month award• Credit underwriting for property development loans, property investment loans and business loans for diversified industry segment in the range of AUD30-40Mn. • Undertaking annual reviews, term extensions, tenancy reviews, and progress draws approvals (property development customers). • Customer meetings (property developers & builders, corporate customers) and undertaking factory/site inspections. • Managed 2… Show more Highlights: “Spirit of Excellence” award and Deal of the month award• Credit underwriting for property development loans, property investment loans and business loans for diversified industry segment in the range of AUD30-40Mn. • Undertaking annual reviews, term extensions, tenancy reviews, and progress draws approvals (property development customers). • Customer meetings (property developers & builders, corporate customers) and undertaking factory/site inspections. • Managed 2 vacant portfolios as acting Relationship Manager for a period of 2 months. • Monitoring daily overdue account reports and taking prompt actions to bring the accounts back in order.• Undertaking discharges request and issuance of Bank Guarantees & credit cards. Show less

Sydney, New South Wales, Australia

Highlights: “Spirit of Excellence” award and Deal of the month award• Credit underwriting for property development loans, property investment loans and business loans for diversified industry segment in the range of AUD30-40Mn. • Undertaking annual reviews, term extensions, tenancy reviews, and progress draws approvals (property development customers). • Customer meetings (property developers & builders, corporate customers) and undertaking factory/site inspections. • Managed 2… Show more Highlights: “Spirit of Excellence” award and Deal of the month award• Credit underwriting for property development loans, property investment loans and business loans for diversified industry segment in the range of AUD30-40Mn. • Undertaking annual reviews, term extensions, tenancy reviews, and progress draws approvals (property development customers). • Customer meetings (property developers & builders, corporate customers) and undertaking factory/site inspections. • Managed 2 vacant portfolios as acting Relationship Manager for a period of 2 months. • Monitoring daily overdue account reports and taking prompt actions to bring the accounts back in order.• Undertaking discharges request and issuance of Bank Guarantees & credit cards. Show less

Sydney, Australia

Highlight: Recognition from Risk for Credit underwriting skills.• Credit underwriting for existing commercial facilities with respect to partial discharge of security, restructuring of existing loans, substitution of security and downgrade of stressed accounts.• Assess financial documentation to support ongoing life servicing of commercial lending facilities.• Undertake annual review of the clients and other maintenance tasks such as full discharge of security and redraw of term… Show more Highlight: Recognition from Risk for Credit underwriting skills.• Credit underwriting for existing commercial facilities with respect to partial discharge of security, restructuring of existing loans, substitution of security and downgrade of stressed accounts.• Assess financial documentation to support ongoing life servicing of commercial lending facilities.• Undertake annual review of the clients and other maintenance tasks such as full discharge of security and redraw of term loans.• Contact customers and make alternate repayment arrangements as required to support client needs while minimizing business loss.• Identify and action cross-sell opportunities by referring sales to appropriate channels. Show less

Mumbai Area, India

Highlights: 1. Certificate from Executive Vice President of the Bank for “relentless follow-up for recovery of a stressed account”2. Awarded 3rd best team at a national level for generating business.Synopsis:• Credit underwriting and managing portfolio of customers with revenue upto AUD 200Mn and banking limits upto AUD 75Mn in diversified industry segment.• Worked on syndication loans of working capital finance, long term lending and Non-Convertible Debentures and attended… Show more Highlights: 1. Certificate from Executive Vice President of the Bank for “relentless follow-up for recovery of a stressed account”2. Awarded 3rd best team at a national level for generating business.Synopsis:• Credit underwriting and managing portfolio of customers with revenue upto AUD 200Mn and banking limits upto AUD 75Mn in diversified industry segment.• Worked on syndication loans of working capital finance, long term lending and Non-Convertible Debentures and attended syndicate bankers meet quarterly basis.• Meeting customers and undertaking office and factory visits on a regular basis. • Regular liaising with business teams, customers, brokers, product, and compliance teams. • On-going monitoring of account conduct and covenants.• Research and analysis of industry specific events and news relevant to customers.• Handled collections/recovery of portfolio in cohesion with business team. • Mentored all new recruits and management trainees (circa 12 in 2 years). Show less

Mumbai Area, India

Highlight: Issued special industry research report on steel and pharmaceutical industry.• Identifying & sourcing new business opportunities from current / existing portfolio and cross selling other banking products.• Structuring of loan proposals and pricing post which deals of circa AUD 7.5Mn each were submitted to the underwriter for verification and recommendations.• Developed and maintained relationships with agents, product, compliance, and credit teams. • Comparable search… Show more Highlight: Issued special industry research report on steel and pharmaceutical industry.• Identifying & sourcing new business opportunities from current / existing portfolio and cross selling other banking products.• Structuring of loan proposals and pricing post which deals of circa AUD 7.5Mn each were submitted to the underwriter for verification and recommendations.• Developed and maintained relationships with agents, product, compliance, and credit teams. • Comparable search analysis with web review and Industry outlook.• Managing portfolio of companies from various sectors such as Infrastructure, Pharmaceutical, Media, Plastic & packaging, Traders. Show less

Mumbai Area, India

Pursued MBA in Finance

Mumbai Area, India

Mba/Mms, Finance, First Class With Distinction

Master Of Business Administration - Mba, Finance, General