Akshi Garg
Indirapuram,Ghaziabad
Summary
Strategic professional with 14 years of experience in commercial lending and mortgage payments. Expertise in syndication agency and bilateral operations, with proficiency in liquidity management and financial systems such as ACBS, GBS, Intellimatch, and WSO. Demonstrated ability to manage time-sensitive projects effectively and deliver results within tight deadlines.
Overview
14
14
years of professional experience
Work history
Assistant manager
Barclays India
2022.11 - 2026.07
- November 22 to current date Assistant manager(Barclays)
- Facilitated provision of new loans to customers by utilising various pricing options (PRIME, LIBOR, SOFR), enhancing customer access to tailored financial solutions.
- Proficiency in loan syndication, booking, servicing and doing daily operational activities such as loan disbursement, cash application along with reconciliation, interpretation of legal documents, communication and coordinating with agent banks.
- Performed cash reconciliation, booked loans, and reviewed credit agreements.
- Executed additional responsibilities including reporting daily fee past dues, maintaining KRI dashboard, raising IT requests, sending ACBS confirmations to clients, and providing audit samples to support operational integrity.
- Led the KRI clearance project to ensure KPIs and KRIs remained under threshold for cash items each month. Achieved reductions in aged breaks and enhanced reconciliation processes and controls.
- Reduced backlog of 5000+ KRIs breaks to manageable levels.
- Managing activities like task allocation, mailbox management for the team.
- Conducted LIQ migration data cleanup, ensuring accurate management of all KRIs associated with deals and migration of loans from ACBS to LIQ.
- Proficient in working with ACBS (Advanced commercial banking system) software by fidelity which is used by most of American banks for corporate lending
- Enthusiastic professional for 14 years of experience in the banking industry. especially in commercial loan operations.
- Outlined career progression and development goals.
- August 19 to November 22 Underwriter (RBS)
- May 2014 To July 19 Senior Analyst (RBS)
- April 2012 to April 2014 Process Analyst (RBS)
Underwriter
Royal Bank of Scotland Business Services
2019.08 - 2022.11
- Executed end-to-end underwriting of residential mortgages and further advances, calculating income and commitments and verifying supporting documents
- Conducted thorough due diligence during case assessments to mitigate risk and ensure compliance.
- Ensure underwriting within the credit policies framework and regulatory requirements
- Addressed queries from selling agents regarding mortgage applications, ensuring clarity and compliance
- Documented key deliverables as an underwriter for residential mortgages from August 2019 to November 2022.
Senior Analyst
Royal Bank of Scotland Business Services
2017.07 - 2019.08
- Key Deliverables: As Senior Analyst (Lending Operations) July 17-August 19
- Resolved customer escalations promptly to ensure satisfaction and maintain service standards.
- Prepared facility documentation and security documents, facilitating new loan account openings for clients.
- Performing End to End checks confirming that all the required documents have been attained before approving loan request and transferring the loan amount to the client’s account.
- Handling escalations.
- Tracked process updates and shared insights in daily team discussions to enhance operational awareness.
- Keeping the track of all process updates and sharing the same in daily team discussions
- Working as a case manager in lending operations for Base rate, Fixed rate and LIBOR related deals.
Senior Analyst
Royal Bank of Scotland Business Services
2017.06 - 2017.06
- Processed all inward/outward cheques and NACH within RBI timelines
- Liaised with various branches to obtain necessary responses and clarifications.
- Tallied and zeroed all clearing lines daily to ensure accuracy
- Managed escalations and provided training sessions for new team members.
- Handed escalations and training for new joiners
Process Analyst
Royal Bank of Scotland Business Services
2012.04 - 2014.05
- Reviewed initial payment instructions for accuracy.
- To ensure all transactions are processed accurately in accordance with customer instructions.
- Communicating with other related teams to get the payment processed.
- To ensure all transactions are processed accurately in accordance with customer instructions.
- To resolve different queries related to clients and other internal departments related to payment.
- 1st view of payment instruction.
Education
PGDM -
Jagan institute of management studies
B.Sc - undefined
Vardhman college
BijnorX11th - undefined
D.D.P.S.
BijnorXth - undefined
St. Mary’s school
BijnorSkills
- Loan servicing
- Collateral management
- Reconciliation processes
- Security documentation
- Workflow management
- ACBS proficiency
- PeopleSoft skills
- WSO knowledge
- IntelliMatch skills
- AOM skills
- Operational efficiency
- Analytical thinking
- Problem-solving
- Training and development
- Staff supervision
- Leadership capabilities
- Communication skills
Languages
English
Fluent
Hindi
Native
Timeline
Assistant manager
Barclays India
2022.11 - 2026.07
Underwriter
Royal Bank of Scotland Business Services
2019.08 - 2022.11
Senior Analyst
Royal Bank of Scotland Business Services
2017.07 - 2019.08
Senior Analyst
Royal Bank of Scotland Business Services
2017.06 - 2017.06
Process Analyst
Royal Bank of Scotland Business Services
2012.04 - 2014.05
Xth - undefined
St. Mary’s school
X11th - undefined
D.D.P.S.
B.Sc - undefined
Vardhman college
PGDM -
Jagan institute of management studies