Radhika Bhutada

iTeam Leader – Small and Medium Enterprises Group (SME)

• Managing team for verification of documents related to working capital
• Analyse the errors, trainings to new joinees, reporting to seniors
• Regular meeting with business team to plan and disucuss for upcoming quarters

Team Leader – Local Operation Group (Retail Banking Segment)

• Involved in development of new integrated end to end system where documents are submitted by business team, verified by checker and same is sent to client for verification and signature, further stamp duty payment and legal formalities are performed
• Verification of loan documents of clients in newly launched online system

Team Member – Central Updation Team

• Analysis and review of stock statements of the BLG and SMEAG clients and further verification of the same in the system where data is entered by client / maker
• Verification of drawing power in the core system of bank

Team Member – Credit Middle Office Group (CMOG) - Transaction

• Processing the loan transaction which includes communicating the terms & conditions to the client, document verification, setting limits in the system, disbursement, monitoring such accounts, setting drawing power, etc.
• Monitoring the documented process continuously to mitigate the credit & operational risk and revenue leakage, reporting to various compliance teams, testing BCP, preparing BIA for the same, coordinating with other groups within bank for resolving queries

Team Member – Credit Middle Office Group (CMOG) – Audit & Control

• Updating internal guidelines as per notifications, guidelines issued by RBI, SEBI and to make it par with Banking Regulation Act, 1949, Companies Act,2013, etc
• Part of Quality team responsible for handling internal audits held within the department
• Part of team handling projects for automation, UAT for various applications

Team Member – Credit Risk Management Group

• Review of financial statements such as Balance sheet and P&L, Ratio analysis
• Credit assessment of borrower by assessing the different risk such as Business Risk, Market Risk, Concentration Risk
• Assigning the credit rating-internal to borrowers based on the Guidelines, predefined benchmark and assessment of borrower

• Finalization of financial statements & co-ordination with statutory auditors for audit and certifications.
• Assistance in preparing CMA data & debtors statement along with computation of Drawing Power (DP) Limit
• Liaisoning with banks to propose various banking facilities.
• Handling of all regulatory issues with various state and local authorities.

• Statutory & internal audits of different clients.
• Preparation of financial statements such as Balance Sheet, Profit & Loss a/c etc.
• Preparation of computation of income, filing of returns and making payment of taxes.