Ishani Kaur

• Oversee the full customer lifecycle, from customer onboarding to identity screening (KYC/AML) to individual financing decisions

• Responsible for credit risk underwriting and managing of credit limits for MODIFIs Trade Finance customers

• In depth analysis of financial statements, company registers, credit scores and other sources of relevant credit assessment information

• Work on strategic underwriting projects, underwriting loss analysis and portfolio stress tests

• Further develop and implement underwriting principles in accordance with the MODIFI Risk Policy

• Partner with the product, business, legal, finance and engineering teams to build best-in-class Trade Finance products

• Conducted financial analysis on existing as well prospective
  clients and involved in screening of prospective new deals in
  accordance with the credit strategy of the firm.
• Scrutinized sample documents and develop in-depth
  understanding of the Accounts Receivables cycle of the Client ·
  Applied and monitored credit limits on the credit insurance
  portal after conducting necessary due diligence.
• Monitored credit portfolio and prepared credit reports for the
  Credit & Risk Committee · Prepared, reviewed and monitored
  Client and Customer Risk Ratings for credit approvals.
• Supported the Head of Credit in preparing a recommendation to
  approve or decline, or request further structuring/ guarantees/
  collaterals to the deal to minimize credit risk.

• Conducted annual renewals of High net worth individuals and
  trusts. Presented analysis and recommendations to managers
  especially findings that involve a borrower's ability to repay.
  Dealt in products like SBLC, LC, advised line and PLCs.
• Supported the compiling of credit documents and for audit
  purposes. Continuously analyzing portfolios in order to make
  sure resources are being allocated optimally, Prepared
  spreadsheets and financial models to analyze the credit appetite
  of the client.
• Performed enhanced due diligence on high risk attributes
  pertaining to clients like PEP (Politically exposed person), clients
  part of high-risk jurisdiction. Dealt with clients belonging to the
  GFG group (Global Families Group) and monitored treasury key
  performance indicators(AR overdue, collection, credit exposure,
  etc)