APEKSHA KOTIAN
Mumbai
Summary
- An erudite professional currently working with Citibank as a Transaction Manager.
- 8 years of experience in back office and middle office operations.
- Expertise on syndicate loans (primary and secondary), Commercial and Corporate Lending Operations, sound knowledge on derivative products like FX Options, Equities, and Interest Rate Swaps.
- Worked on various third party systems like ACBS and SWIFT.
- Sound acquaintance in capital market domain, accounting, RTGS and SWIFT settlements, NOSTRO, cash and position reconciliation, structured products, collateral and covenants management.
- Successfully handled transition of various processes.
Overview
9
9
years of professional experience
Work History
Manager
Citibank
03.2024 - Current
- Acted as processor for middle office operations in commercial and corporate banking
- Selected as a core member of the pilot batch for process migration from the North America team.
- Created SOPs by understanding and documenting new processes.
- Tracked and recorded over 150 covenants on high volume days, ensuring accuracy and compliance.
- Monitored under-collateralize deals and coordinated with onshore teams for timely data updates.
- Proactively identified, escalated, and proposed solutions to process and data-related issues while ensuring email tracking and compliance with a 24-hour turnaround time.
- Trained new joiners, ensuring quick onboarding and process understanding .
- Demonstrated strong time-management skills in a fast-paced environment with shifting priorities.
- Processed remedial activities for data cleanup in collateral and covenant records.
- Participating in IT and process enhancements projects by performing Users Acceptance Tests (UAT) and liaising with the IT and project team for completion of the project.
Assistant Manager
Credit Agricole Corporate and Investment Bank
04.2018 - 02.2024
- Working as Team Leader for Agency, Participation and Supply Chain Finance servicing under syndicate loans across APAC & US regions.
- The job role involves providing direction, setting clear expectation to ensure the team’s productivity and efficiency.
- Identifying the strengths and development areas of team members and training needs.
- Assigning tasks and responsibilities based on their skills and expertise.
- Executing more than 12,000 loan events - funding paydown, rollovers and fees.
- High risk tasks include the agency notices to external parties & execution of payments for around a Billion.
- Reviewing Credit Agreements with affirmative & negative covenants pertaining to drawdown, pay down, rollover, rate fixing, interest, fees and other revenue and expenses.
- Tracking Incoming funds and follow-up with agents and client for non-receipt of funds, claims involved in delayed payments.
- Handling Nostro and past dues, reconciliation of daily P&L, Suspense, ZBA account balances and clearing discrepancies without acceptance of cent differences.
- Production controls and responsibility to escalate any issues/problems or control gaps to the next hierarchy.
- Working on a project to link the data base and payment system to reduce dependency on multiple applications.
- Participating in IT and process enhancements projects by performing Users Acceptance Tests (UAT) and liaising with the IT and project team for completion of the project.
- Worked on designing uniform training framework for my team members.
- Conducting training sessions for new joiners and existing team members.
Associate Analyst
WIPRO Ltd
05.2017 - 03.2018
- Performing for CAPTIVE which involved administering Drawdowns, Rollovers, Repayments, Pre-payments, Funding, Rate-Fixings, Fees and Commission posting, External payments, collection of interest, NOSTRO Reconciliations, general administration related to the loans portfolio managed along with undertaking adhoc queries and investigations, monitoring all associated data under responsibility of client.
- Ensuring compliance fulfillment with all necessary controls and procedures in respect of client.
- Responsibility to escalate any issues/problems or control gaps to the client.
- Capturing loans in client systems for record keeping and data maintenance for client's future reference.
- Preparing monthly reports to highlight any discrepancies at client's end.
- Studying Credit Agreements and preparing notices with details pertaining to drawdown, pay down, rollover, rate fixing, interest, fees and other revenue and expenses.
Customer Service Executive
Kotak Mahindra Bank Limited
06.2016 - 12.2016
- Communicated with customers to ensure product understanding, followed by answering their queries related to Banking.
- Resolving the issues faced by customers like transaction error, payment failure, liaising with the RM.
- Evaluating customer eligibility for loans and explaining bank policies.
Education
Bachelor of Commerce - Financial Markets
K.J. Somaiya College of Arts And Commerce, Mumbai University
Mumbai, India01.2016
Skills
- Self Confidence and Positive attitude are my core strengths
- Effective verbal and written communication
- Multitasking in complex environments
- Skilled in timely delivery of project SLAs
- Experienced in accounting data analysis and entry processes
- Quick learner of new concepts
- Proficient in Windows and MS Office
Languages
English
Hindi
Tulu
Marathi
Hobbies and Interests
- Travelling
- Swimming
- Cooking
- Volunteering in a NGO - We Bring Joy and CSR activities organized by CACIB India
Affiliations
- Awarded as "Gladiator of the Month" at department level in CA-CIB
- Received "Bronze Award" for contribution during high-volume UAT testing and revisiting tech issues and sucessfully resolving 60% of them Cit Bank
- SME (Subject Matter Expert) of "Syndicate Loans" both in primary and secondary market
- Appreciation received from On-Shore & Project team on excellence performance & timely completion of tasks.
Timeline
Manager
Citibank
03.2024 - Current
Assistant Manager
Credit Agricole Corporate and Investment Bank
04.2018 - 02.2024
Associate Analyst
WIPRO Ltd
05.2017 - 03.2018
Customer Service Executive
Kotak Mahindra Bank Limited
06.2016 - 12.2016
Bachelor of Commerce - Financial Markets
K.J. Somaiya College of Arts And Commerce, Mumbai University
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