Shivani Rani

Focus on:

* Risk Assessment:

* Performed risk assessments for various business areas, including lending, deposit operations.

* Identified and assessed key risks impacting the bank's financial performance, compliance, and operational efficiency.

* Compliance Audits:

* Conducted audits to ensure compliance with regulatory requirements (RBI,) and internal policies.

* Reviewed documentation, interviewed staff, and tested controls to assess compliance effectiveness.

* Operational Audits:

* Reviewed operational processes, efficiency, and effectiveness.

* Identified areas for improvement, made recommendations, and monitored implementation.

* Fraud Investigations:

* Supported investigations into potential fraudulent activity, including analyzing transactions and gathering evidence.

* Reporting:

* Prepared detailed audit reports, outlining findings, recommendations, and corrective actions.

* Presented findings to management and senior stakeholders.

* Followed up on implementation of recommendations to ensure effectiveness.

• Adaptable and proficient in learning new concepts quickly and efficiently.
• Paid attention to detail while completing assignments.

Credit Analysis:

* Independently analyzed financial statements, cash flow projections, and business plans for small to medium enterprises (SMEs).

* Assessed creditworthiness, loan risk, and repayment capacity.

* Undertook detailed credit risk assessments using relevant industry benchmarks and internal models.

* Applied a rigorous underwriting approach to minimize loan defaults and maximize portfolio performance.

Loan Documentation:

* Drafted and reviewed loan agreements, security documentation, and other legal documents.

* Ensured compliance with lending policies, regulatory guidelines (APRA, ASIC), and industry best practices.

* Collaborated with legal and compliance teams to resolve issues and ensure accuracy and clarity of documentation.

Client Interaction:

* Provided guidance and support to clients throughout the loan application process.

* Explained loan terms, conditions, and requirements in a clear and concise manner.

* Responded to client inquiries, addressed concerns, and provided solutions to facilitate loan approvals.

Data Management:

* Managed and maintained accurate loan records and documentation within internal systems (e.g., loan origination software).

* Compiled and analyzed data to support lending decisions and risk assessment.

*Conducted real-time audits of banking operations, ensuring adherence to internal policies, regulatory guidelines, and industry best practices.

* Assessed risks and internal controls related to various banking functions, including lending, deposits, trade finance,

and treasury operations.

* Identified control weaknesses and process gaps,

recommending corrective actions and process improvements to mitigate risks and

enhance operational efficiency.

* Prepared audit reports and communicated findings to management, providing valuable insights to strengthen internal controls and ensure

compliance.

* Collaborated with various departments to facilitate the implementation of audit recommendations and improve overall risk management practices.