Bhavan M

· Leading a team of 9 associates responsible to provide support and assisting to underwriters of MMB (Middle Market Banking) group. Day to day responsibilities include performing pre-underwriting activities - sourcing, pre-screening, job preparation, data gathering, covenant setting, compliance analysis and gate keeping for RPA (Risk Profile Assessment), Renewal and New Credit requests.

· Determining the complete credit package required to assign/reset BQR (Borrower Quality Rating). Tracking down and validating the legal documents available in repositories. Obtain pending financials needed in support of credit recommendation through appropriate channels.

· Assisting in preparation of CAP (Credit Approval Presentation) by collecting information from front office/PES/RM in order to carry out collateral analysis, guarantor analysis, historical financial analysis, repayment analysis, credit investigation review, identifying key risk factors and mitigation and capturing/validating policy exceptions.

· Aligning underwriting with Bank's credit policy and protect asset quality.

· Providing secondary credit review and detective control of underwriting policies and procedures for CBCC (Commercial Banking Client Coverage) clients.

· Identifying and helping in resolving gaps in policy and procedure by engaging with Policy Team and Credit Teams.

· Supervision & assessing work allocation, identifying areas of capacity during day across all teams within the group.

· Closely monitoring the team on a day-to-day basis to ensure all SLA's (Quality & Quantity) are met and any exceptions are immediately escalated for resolution.

· Implementing strategy and core objectives for the team in line with the global operations roadmap.

· Complying with audit and compliance regulations. Managing process escalations from onshore stakeholders and Customers.

· Responsible for review and submission of team's monthly/quarterly/annual KPI reports to metrics group.

· End to End responsibility of the request received from client which includes financial spreading, analysis of financial statements, identification of trend and providing financial commentaries on cause and effect on identified trend as per business requirement.

· Interpreting and spreading the financials of different companies belonging to different divisions as per business requirement.

· Assessing credit worthiness of the borrowers based on qualitative and quantitative factors.

· Handling subjectivity in the financial analysis/spreading and substantiating with reasons.

· Reviewing the customer's full TGE (Total Group Exposures) to ensure whether it is accurate.

· Reviewing the customers files and source systems to establish what key information is required to complete the annual credit review.

· Comprehensively interrogating and analyzing financial accounts to identify cash movements and produce a financial report that incorporates a summary analysis of Profit & Loss Account, Repayment Capacity and Balance Sheet.

· Test Covenants to identify breaches.

· Highlighting material risk profile movements to support the Relationship Managers overall risk analysis of the connection.

· Reviewing, keeping up to date with, and fully abiding by operational and administrative procedures, together with Bank Credit Policy.

· Part of Corporate Ratings team which assigns credit ratings to bank loans of various corporate entities.

· Comprehensive analysis of industry and business risks of rated entities and strong understanding of financial statements / interpretation of financial ratios for implications on their credit profile.

· End to end participation in the credit rating process involving client co-ordination, credit research and analytical support to the Authors of credit reports, presentation to the rating committee and investor handling.

· Collecting articles for Industry updates, identifying various tickers for Research Reports, Writing monthly Research reports on various Industries in the portfolio.

· Understanding the business of the company, identifying major current happenings likely to affect the company's future performance.

· Managing high volumes of financial activity in a fast-paced, risk-based corporate environment.

· Providing credit rating support to leading credit rating agency for Financial Institutions Group.

· Handling financial reports across different Countries and Accounting regime - IFRS, USGAAP & other GAAP.

· Analysis of key sections in financial reports like Regulatory Information, NPA, RWA, Liquidity risk and send the finding report to Financial Data Analyst.

· Providing data to lead Analyst regarding NPL, BASEL, LCR, NSFR and other capital related information from financial reports.

· Handling non-English financial reports such as French, Spanish, Portuguese, Chinese, Japanese etc.,

· Thorough understanding of financial statements and interpretation of financial ratios to furnish inferences for further decision making.

· Monitoring process risks and identifying potential problems proactively to seek solutions in advance.