Tejal Sagvekar
Relationship Manager- Senior Credit Analyst
Pune
Summary
Dynamic, results-driven professional with extensive expertise in credit risk assessment, financial analysis, and underwriting for commercial banking and large corporate clients. Proficient in preparing comprehensive credit appraisals, analyzing complex financial statements, and structuring credit facilities that support informed lending decisions. Skilled in mitigating financial and operational risks while ensuring regulatory compliance, optimizing portfolio quality, and enhancing profitability. Recognized for strong analytical skills and a proactive approach to risk management, delivering actionable insights that improve credit strategies, strengthen client relationships, and drive sustainable business growth.
Overview
3
3
Languages
5
5
years of professional experience
Work History
Senior Analyst - Commercial Banking Credit
NatWest Group (Royal Bank of Scotland)
11.2023 - 04.2026
- Performed in-depth financial statement analysis for corporate clients (revenues GBP 30–35M), evaluating solvency, liquidity, and overall credit risk.
- Oversaw Healthcare, Education, and Charity portfolios, executing comprehensive credit assessments and portfolio risk monitoring.
- Designed and implemented BASEL II AIRB-compliant risk models; facilitated facility documentation, collateral structuring, and covenant compliance testing.
- Prepared and delivered detailed credit reports and CAMS to Credit Sanctioning teams, enabling strategic lending decisions.
- Conducted in-depth credit risk assessments for large corporate and institutional clients, identifying potential exposure and mitigating risks.
- Led portfolio monitoring and performance analysis, providing actionable insights to senior management and relationship managers.
- Evaluated complex financing structures, including syndicated loans, term loans, and working capital facilities, to optimize risk-adjusted returns.
- Prepared and presented credit proposals, risk rating reports, and detailed financial analyses to Credit Committees and senior leadership.
- Performed stress testing, scenario analysis, and sensitivity analysis to quantify potential losses under adverse market conditions.
- Ensured compliance with Basel II/III guidelines, internal credit policies, and regulatory requirements, supporting audit and regulatory reviews.
- Implemented early warning indicators (EWIs) to proactively detect credit deterioration and trigger corrective actions for existing and new customers
Credit Analyst - Wholesale Banking
Kotak Mahindra Bank
12.2022 - 10.2023
- Conducted credit risk assessments and prepared appraisal notes for corporate clients with exposure above ₹500 Cr, including on-site evaluations to identify compliance gaps and mitigate financial risks.
- Partnered with C-level executives and finance leaders to collect precise financial data, enhancing client engagement and relationship management.
- Coordinated with business teams to structure credit terms, ensuring adherence to sanction guidelines and regulatory compliance.
- Performed financial statement analysis, ratio analysis, and cash flow assessment to evaluate creditworthiness and recommend appropriate lending solutions.
- Monitored portfolio performance, identifying early warning signals and recommending corrective actions to minimize default risk.
- Conducted industry and market research to support credit decisions, assessing sector trends and macroeconomic impacts on borrower viability.
- Prepared risk mitigation strategies, including collateral evaluation, covenants structuring, and credit limit recommendations.
- Supported credit committees with comprehensive reports, presentations, and risk assessments to facilitate informed decision-making.
- Engaged in periodic review of existing credit facilities to ensure compliance with terms, covenants, and regulatory standards.
- Collaborated with cross-functional teams, including legal and compliance, to streamline credit approval and documentation processes.
Quality Assurance Analyst
Visionet Systems Inc.
01.2022 - 12.2022
- Reviewed and underwrote Non-QM mortgage loans, performing quality checks and internal audits to ensure accuracy and compliance.
- Reduced errors by 15% through root cause analysis and process improvements.
- Resolved escalation queries on asset evaluation, income calculation, and indexing, while recommending policies to enhance report quality.
Process Analyst - Underwriting
Visionet Systems Inc.
11.2020 - 01.2022
- Ensured precise loan approvals and mitigated credit risk through thorough borrower and transaction evaluation.
- Underwrote conventional mortgage loans per FNMA/FHLMC standards, assessing Credit, Capital, Capacity, and Collateral (4Cs).
- Utilized Encompass Ellie Mae to audit, validate, and maintain loan documentation for regulatory compliance.
Education
Master Degree - Business Administration - Finance
Bharti Vidyapeeth’s Institute of Management Studies & Research
01-2020
Bachelor Degree - Management Studies - Finance
Mumbai University
01-2018
12th - undefined
Mumbai University
01-2015
Skills
Financial Statement Analysis
Credit Risk Assessment
Basel II/III Compliance
Early Warning Indicators (EWIs)
Skills
- MS Office - Word, Excel, PowerPoint, Outlook
- RMPS, CRADLE, CRM, Encompass
Timeline
Senior Analyst - Commercial Banking Credit
NatWest Group (Royal Bank of Scotland)
11.2023 - 04.2026
Credit Analyst - Wholesale Banking
Kotak Mahindra Bank
12.2022 - 10.2023
Quality Assurance Analyst
Visionet Systems Inc.
01.2022 - 12.2022
Process Analyst - Underwriting
Visionet Systems Inc.
11.2020 - 01.2022
12th - undefined
Mumbai University
Bachelor Degree - Management Studies - Finance
Mumbai University
Master Degree - Business Administration - Finance
Bharti Vidyapeeth’s Institute of Management Studies & Research