Shashankkumar R Kalwar

• Company Overview: LOB - Asset and Wealth Management
• Process - USPB Front Office - Lending Support.

Roles and Responsibilities:

1. Client Advisor Support:

• Prospecting: Assist bankers in identifying and reaching out to potential clients by researching potential leads, understanding their financial needs, and preparing relevant information to facilitate effective client engagement.
• Financial Entry and Portfolio Insight: Enter financial data accurately into relevant systems and provide insights into client portfolios, including analyzing financial statements, tracking investment performance, and offering recommendations to optimize client portfolios.
• Pipeline Management: Update and manage a pipeline of client requests and opportunities, tracking and reporting each request, and maintaining an organized system to prioritize and address client needs efficiently.

2. Lending Support:

• Providing E2E Support for Booking Credit Facilities: Oversee the entire process of booking credit facilities, from initial collateral analysis to final approval, including gathering necessary documentation, coordinating with various departments, and ensuring compliance with lending policies and procedures.
• Reporting and Risk Assessment: Generate and analyze regular reports on credit facilities to monitor performance, identify trends, and assess risk.
• Covenant Management: Monitor and manage any exceptions to loan covenants, ensuring that any deviations are addressed promptly, working with client advisors and internal teams to resolve issues and maintain compliance with loan agreements.
• Comprehensive Support: Provide full-spectrum support for all lending-related activities, including documentation, client communication, and issue resolution, ensuring a seamless experience for clients and maintaining strong relationships with them.

• Company Overview: LOB - Asset and Wealth Management
• Process - Credit Risk - Collateral Monitoring

Roles and Responsibilities:

• Margin Call Validation: Validated margin calls and reported verified/valid margin calls to both the Market and Senior Management, ensuring accuracy and compliance with established protocols.
• Loan Account Processing: Processed and set up loan accounts (Facilities) in the system as per instructions received from Capital Advisor/Lender via application call ICRD, ensuring all details were accurately captured.
• Collateral Account Management: Actioned modifications/alterations to collateral accounts, maintaining up-to-date records and ensuring compliance with financial regulations. Periodically monitored collateral accounts, including both marketable and non-marketable secured, to assess risk and ensure compliance.
• Collateral Draw Requests: Reviewed and approved collateral draw requests, ensuring all necessary documentation was complete and accurate.
• Process Improvement: Identified areas for process improvement and executed best practices after discussion and agreement with teammates and process leaders, fostering a culture of continuous improvement.
• Email Management: Managed two email boxes for collateral-related requests and validations, ensuring timely and accurate responses to queries and actions.

Projects and System Issue Identification:

• E2E Margin Call Process Migration: Successfully migrated the end-to-end margin call process to India and collaborated with the BOSS team to automate the tactical margin call process by providing detailed insights into the manual review process.
• Life Insurance Monitoring Enhancement: Enhanced the life insurance monitoring process, improving efficiency and accuracy in tracking and reporting.
• Draw Request Minimization Project: Worked on a project to minimize draw requests received after 4:00 PM EST, optimizing workflow and resource allocation.
• Recap Draw Request Project: Investigated and addressed the issue of recap draw requests being sent for manual approval, identifying opportunities for system automation via connect tickets.
• Facility Setup Clean-up Project: Led a clean-up project with lenders to address scenarios where facilities were incorrectly set up in GCM due to incorrect communication, ensuring data integrity and compliance.

• Process - Maternity Payroll.

Roles and Responsibilities:

• Payroll Information Maintenance: Maintained payroll information by coding Maternity/Paternity entitlements of employees working for TESCO, UK, directing the calculation, and entering data accurately.
• Payroll Record Updates: Updated payroll records by reviewing and approving changes in exemptions and determining the eligibility of pay receivable by colleagues on Maternity/Paternity leave based on job titles, service tenure, minimum earnings, and department/division transfers.
• Payroll Account Balancing: Balanced payroll accounts by resolving payroll discrepancies, ensuring accuracy and compliance with financial standards.
• Personnel Liaison: Liaised with personnel from Store, Head Office, Distribution, and Tesco Bank for queries relating to colleagues' salaries, providing timely and accurate information.
• Policy and Procedure Maintenance: Maintained payroll guidelines by writing and updating policies and procedures, ensuring they were current and compliant with organizational standards.
• Legal Compliance: Ensured compliance with local legal requirements by studying existing and new legislation, enforcing adherence to requirements, and advising management on needed actions.
• Operational Improvements: Identified operational improvements and found solutions by applying Continuous Improvement (CI) tools and techniques, enhancing efficiency and effectiveness in payroll processes.

• Company Overview: LOB: Assets and Wealth Management.
• Process: Collateral Monitoring(Loan Processing).

Roles and Responsibilities:

• Loan Account Processing: Processed and set up loan accounts (Facilities) in the system as per instructions received from Capital Advisor/CLT Lender, ensuring accuracy and compliance with financial protocols.
• Collateral Account Management:Actioned modifications/alterations to collateral accounts, maintaining accurate and up-to-date records.
  Periodically monitored collateral accounts, including both marketable and non-marketable securities, to assess risk and ensure compliance.
• Collateral Document Review: Reviewed and authorized collateral documents for Chase Private Clients (CPC) to either activate or terminate collateral accounts, ensuring all documentation met required standards.
• Facility Identification: Identified standard and non-standard facilities and the standard lending values for both, ensuring proper classification and risk assessment.
• Collateral Account Types: Identified different types of collateral accounts, including asset accounts, MMIA (Money Market Investment Accounts), Skip/SCPP accounts (CPC clients), and TD-CD accounts. Assessed associated risks and placed predefined controls to minimize debt risk.
• SBLC Execution: Understood and executed processes involving Standby Letters of Credit (SBLC) as both a facility and collateral, ensuring compliance with financial regulations.
• Lending Value Updates: Updated non-standard lending values on certain client holdings as per project requirements, ensuring accurate reflection of asset values.
• Process Improvement: Identified areas for process improvement and executed best practices after discussion and agreement with teammates, fostering a culture of continuous improvement.