Business Risk Policy Manager Resume Example

• Complied with internal controls and government regulations.
• Carry out analysis and document user requirement, working closely with business community(both locally and globally; working closely with users in Singapore ensuring local requirements are gathered and well understood) and IT development team, delivering solutions within strategic credit risk systems.
• Translating business requirement into IT focused Credit system development definitions for Project management.
• Providing input to the identification of credit process enhancement within the Markets & International Banking Division of RBS
• Experience of handling corporate and investment banking business, products and services.
• Leading and maintaining the BASEL II DPD process (Excess Management): Monitor loan portfolios, credit limits Tracking Early Warring Indicators, Watch meetings, follow credit policies of bank, credit matrix guidelines tracking relevant counterparties' information to anticipate changes in their credit standing.
• Stipulating Credit risk mitigations for corporate lending.
• Undertaking the credit analysis process involving the interaction with client and understanding their financial needs.
• Initiate project of Transition from UK, “Merger & Acquisitions”. Adroit in executing the transition and mentoring the team for M&A..
• Scrutinize default case and transferring them to recovery team and ensure that the information flows flawlessly, exterminating defects if any.

• Efficiently handled the role of Credit Analyst for Mid Corporate Group for bank, which included;
• Undertaking processing of various proposals for the corporate sectors.
• Deft at the pre- sanction process for meeting financial needs of various companies.
• Undertaking a study of financial strength of the client on basis of balance sheet and profit and loss accounts.
• Interacting with Top Level Executives of large corporate which include( CEO/Promoters/CFO)
• Calculating the various financial ratios and study of breakeven point analysis to arrive at Fund Based and Non- fund based limits that can be granted to company/client.
• Preparing and submitting Credit Proposals for review/sanction by MCCC (Mid Corporate Credit Committee) of bank, headed by MD, GM and DGM's of the region.
• Primarily handling credit exposures with ticket size of up to INR 5k Millions.
• Monitored cash intake and deposit records, increasing accuracy and reducing discrepancies.
• Exceeded sales goals and accomplished business objectives by inspiring staff and promoting target products.
• Offered hands-on assistance to customers, assessing needs and maintaining current knowledge of consumer preferences.

As Retail Banker (P-segment Loans) :

• To work as part of RACPC (Retail Assets Centralized ProcessingCell) as Processing Officer; undertaking the credit assessment of the prospective housing loan, car loan & education loan borrowers following the disbursement of the same with the stipulated TAT.
• Prompt service in the post sanction area of P-segment loans like: ensuring the timely repayments, issuing notices in case of nonpayment.
• Monitoring the probable NPA A/c and making a follow up on the same.
• Dealing with any day to dayproblem that any client faces, like checks clearance of funds, stop payments, balance confirmations, issuing NOC for benefit of companies etc.
• To work under Clearing checks Processing Cell- where processing of all checks are undertaken.
• Maintaining of Customer relations and NRI business.
• To Handle the General Banking operations like cash operations, A/C opening, ensuring fulfillment of KYC guidelines, opening of fixed deposits, making of demand drafts, allotment and processing of safe deposit lockers.

As a International Banker :

• To handle the issue/ amendment/authorization of Import and Inland Letter of Credit. Authorizing payments under Import/ Export Bill Payments. Arranging fund under Buyers Credit as and when needed.
• Granting of FCNR/ FCNB loans. Calculating the appropriate margins for the same.
• Working under the Mercury Software for the FOREX rates and Authorizing the SWIFT messages.
• Calculating the appropriate margins for the same.

• Understanding credit history &Analyzing their cash inflows and outflows.
• Trackingrepayment record & Calculating loan eligibility of applicant
• Disbursing eligible loan amount to customer.
• Portfolio management.
• Controlling level of delinquencies and fraud in Personal loan segment