Ravi Anand
AVP- Credit Underwriting
Gurugram
Summary
Associate Vice President- Credit Analysis & Risk, NatWest Group, with ~13+ years of banking experience into Risk Management & Underwriting related to wholesale risk with the UK's largest and systemically important financial institutions.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Associate Vice President
NatWest Group
Gurugram
08.2023 - Current
- As AVP, Portfolio Management leading and accountable for South West & Wales Region.
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
- Identified opportunities to improve business process flows and productivity.
- Established performance goals for department and provided methods for reaching milestones.
- Demonstrated proficient leadership skills to motivate employees and build competent teams.
- Launched staff engagement, gender diversity and cultural programs in addition to robust reporting tool that increased operational quality.
- Reported issues to higher management with great detail.
Team Leader
NatWest Group
Gurugram
01.2020 - 08.2023
- Responsible for team of ~10-12 Credit Managers catering to mid and large sized corporate and commercial customers of The Royal Bank of Scotland (RBS) and NatWest based out of UK.
- Built strong relationships with Stakeholders through positive attitude and attentive response.
- Established open and professional relationships with team members to achieve quick resolutions for various issues.
- Conducted training and mentored team members to promote productivity, accuracy, and commitment to friendly service.
- Managed leave requests and absences and arranged covers to facilitate smooth flow of operations.
- Worked with team to identify areas of improvement and devised solutions based on findings.
- Evaluated staff performance and provided coaching to address inefficiencies.
- Evaluated Stakeholder needs and feedback to drive product and service improvements.
- Conducted regular reviews of operations and identified areas for improvement.
- Supported creation of detailed, technical financial reviews to value potential stressed Customers.
- Developed effective improvement plans in alignment with goals and specifications.
- Devised and implemented processes and procedures to streamline operations.
- Led and owned the Right First Time (RFT) Framework workstream spanning globally covering ~500 individuals spread across various teams and functions of Pre & Post Sanction team.
- Part of various transformation projects involved in automation of credit templates & tools to eliminate errors.
Lead Analyst
NatWest Group
Gurugram
08.2017 - 12.2019
- As Individual Contributor, Portfolio Management responsible for timely delivery and monitoring of portfolios while keeping regulatory as well as bank's policies along with analyzing abreast of company's performance and industry developments resulting into unsurpassed credit quality.
- Identifying, reviewing and agreeing on action plans and account strategy for ‘heightened monitoring’ of accounts exhibiting material weakness (Stage2) with colleagues at credit and credit committee.
- Invoke fire-drill / crisis management drill if necessary.
- Monitoring progress of accounts on ‘heightened monitoring’ (Stage2) as per agreed action plans and timelines.
- Reviewing heightened monitoring waivers granted for accounts.
- Identifying, reviewing and agreeing on transfer of accounts into ‘restructuring’ (Stage3) and daily sharp monitoring of excess / past dues of these accounts along with following protocol of limit reduction, documentation review, and raising application with account strategy, and action plans.
- Reviewing past dues, failed trades and overdue positions of regional portfolio
- Reviewing region’s collateral valuations – full and independent desktop revaluations and records management.
Assistant Manager
Barclays
Noida
10.2015 - 08.2017
- Member of ‘Risk - Centre of excellence’, Credit Underwriting team, which is responsible for credit risk analysis, monitoring and limits administration for Financial Institution counterparties of Barclays
- Timely delivery of annual reviews, interim reviews, providing support or approval on transactions, ongoing portfolio monitoring and performing any other adhoc portfolio related exercise for assigned portfolio
- Timely action on transaction-level limit requests received from Front office and Product areas, including providing necessary approvals within individual authority
- Liaising and communicating with other departments to ensure documentation requirements are met
- Maintain data integrity of relevant Credit Risk systems (and perform monthly credit grade attestation
- Provide coaching and mentoring to junior colleagues, transferring skills and expertise as required ensuring delivery against targets and continuing professional and personal development.
Senior Analyst & Process Expert
Barclays
Noida
11.2010 - 10.2015
- Member of Facility and Collateral Documentation team was responsible for production and issuance of Credit Agreement.
- Facility & Security documents to RM/FO and Solicitors for completion and execution.
- Ensure receipt and validation of returned Credit Agreement documents.
- Fit to Lend checks and Limit Marking) and setup of these on required system before drawdown is completed.
- Document Receipt & Management, Document Validation, Conditions Precedent Execution, Account Opening, Expired Facility letter Management, Setup Facility, Book Collateral and Mark Limits.
- Issuing drawdown letters, basic client authority checks, managing failed transactions/return of funds, there was also internal liaison with relationship managers.
- Escalation/exception management, information integrity checks, feeds checks, margin calls/close out, bespoke monitoring, revaluation requests and internal liaison
- Process execution, lifecycle event management, facility amendments, customer enquiries/complaints, managing daily volumes of post and managing end of terms
- PERSONAL PROJECTS
- Right First Time (RFT): RFT was outlined to reduce the impact on the Customer journey, risk, quality & cost implications, After undertaking a full Physcians Model approach and More, Better, Less, Different review we completed a wish list from both UK Fulfilment Team & Credit.
- Stewardship Team & rolled out a 90 day plan
- Customer Benefit: Post RFT documents were only touched once & was processed within 3 days to the Customers
- Week on week improvements were seen with aspiration of 90% accuracy
- Automation of Security Linkage
- As a team member, played a important role in automating a VBA (Excel) based tool to capture the correct facility & security linkage
- This resulted in finding abnormalities securities not linked to correct facilities
- Post implementation correct security & facilities linkage can be identified via the tool, this helped in calculating correct LGD's & RWA's for the Bank.
Education
MBA - Banking & Finance
Skills
Credit Risk & Underwriting
Change Ready
Effective leader
Relationship building and retention
Recruiting and Hiring
Coaching and mentoring
Certification
Diploma in Lending Skills, The Charted Banker, Membership: 15036138
Timeline
Associate Vice President - NatWest Group
08.2023 - Current
Team Leader - NatWest Group
01.2020 - 08.2023
Diploma in Lending Skills, The Charted Banker, Membership: 15036138
01-2018
Lead Analyst - NatWest Group
08.2017 - 12.2019
Assistant Manager - Barclays
10.2015 - 08.2017
Senior Analyst & Process Expert - Barclays
11.2010 - 10.2015
Vinayaka Mission University - MBA, Banking & Finance