Summary
Overview
Work History
Education
Skills
Personal Information
Timeline
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Chrisann Fernandes

Virar

Summary

Optimistic risk underwriter with experience in credit risk evaluation and financial analysis. Excellent at assessing financial accounts and market trends to make exact credit limit decisions, backed up by strong logical thinking, a thorough focus on detail, and a commitment to minimizing risk exposure while supporting business growth.

Overview

9
9
years of professional experience

Work History

Risk Underwriter

TINUBU SQUARE
03.2023 - Current
  • Work with a team of onshore analysts to cover the credit portfolio of Indian corporates and the overseas portfolio, ensuring robust risk assessment.
  • Processed approximately 1,500 credit insurance buyers yearly, exercising a €50k approving authority.
  • Performed in-depth micro and macroeconomic analysis, generating over 120 detailed reports monthly.
  • Monitored portfolios of over 2,000 domestic and international buyers.
  • Preparing opinion-based credit reports for a set of assigned companies.
  • Undertook research and analysis of an entity through a thorough assessment of its credit strengths and weaknesses, and by weighing its business and financial risk profile.
  • Understanding the potential for parent support, which would need to be factored into the credit assessments.
  • Prepared a detailed credit assessment report and elaborately discussed the company profile and credit risk considerations.
  • Renegotiating credit limits through calls and regular interaction with clients to discuss reports, as well as workflow.
  • Support the client with any ad-hoc research requests, including sector research.

Administration Assistant

TINUBU SQUARE
05.2018 - 02.2023
  • Back Office support India.
  • Processing of information agencies invoices received for payments.
  • Processing fees for clients.
  • Developed and updated spreadsheets and databases to track, analyze and report on performance data.
  • Coached clients on administrative procedures, company policies and performance standards.
  • Managed access databases converting complex data into easy-to-interpret data.
  • Worked with supervisor to maintain status reports and update information for client requests.
  • Interacted with clients and information agencies to receive reports / documents, direct activities and communication instructions.

Process Associate

Royal Bank of Scotland Business Services Pvt Ltd
02.2017 - 12.2017
  • Verifying KYC documents of clients and ensuring updating of details as per requirements (Have excelled in both Individual as well as Entity clients).
  • Monitor the client on-boarding process to ensure that valid tax documents are received.
  • Performing daily reconciliation of all tax forms.
  • Review documentation for new accounts for all structures: personal, corporate, limited liability company, partnerships, non-profit organisation, trusts, foundation, banks, according to regulations, bank policies and procedures.
  • Successfully coached and trained new joiners.

Education

Master of Business Administration - Finance

NMIMS GLOBAL ACCESS
Mumbai
01-2024

Bachelor of Commerce -

Viva College of Commerce
Virar
05-2016

Skills

  • Credit risk assessment
  • Financial analysis
  • Report preparation
  • Client negotiation
  • Risk management
  • Time management

Personal Information

Date of Birth: 12/14/95

Timeline

Risk Underwriter

TINUBU SQUARE
03.2023 - Current

Administration Assistant

TINUBU SQUARE
05.2018 - 02.2023

Process Associate

Royal Bank of Scotland Business Services Pvt Ltd
02.2017 - 12.2017

Master of Business Administration - Finance

NMIMS GLOBAL ACCESS

Bachelor of Commerce -

Viva College of Commerce

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Chrisann Fernandes