Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Personal Information
Timeline
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Xavier Sylvester.S

Xavier Sylvester.S

Bengaluru

Summary

Banking professional with 14 years of experience in Credit Risk Analysis, Financial Analysis, Stress Testing, Compliance & Regulatory, Quality Assurance, Legal documentation and Investment Banking operations.

Experienced in setting up and migrating end to end processes. An excellent communicator with strong analytical, negotiating, problem solving and interpersonal skills.

Overview

13
13
years of professional experience

Work History

Associate Vice President - Credit Analysis

NatWest Group
Bengaluru
04.2022 - Current
  • Responsible for managing a portfolio of financial institutional clients (Funds, Banks, Private Equity and Broker Dealers) which involves end-to-end research, analysis, assigning credit limits, credit ratings and risk mitigants.
  • Preparing credit reports for Investor backed and Asset backed facilities, covering the financial performance including balance sheet/ liquidity / covenants / cash flow analysis and key risk rating parameters for global clients
  • Experience of working on various financial models to run cash flow and stress test analysis of various global clients
  • Experience of supporting internal audit teams on quality assurance of credit reviews and rating model parameters
  • Managing day to day tasks along with conducting quality and documentations checks for respective team members reviews before recommending them for approval
  • Nominated for the 'Employee of the Quarter Award' for working on complex private equity deals
  • Appreciation received from various stakeholders for producing high quality credit reviews.

Team Lead - Credit Analysis

Societe Generale
Bengaluru
03.2018 - 04.2022
  • Preparing credit reports covering the financial performance of FI clients including balance sheet/ liquidity / covenants / cash flow analysis and key risk rating parameters.
  • Proposing limits and analyzing investment strategies for financial products.
  • Proposing legal documentation (ISDA/CSA, MRA, GMSLA and GTB) terms.
  • Involved in preparing financial models and spreading for respective clients as part of the annual review process.
  • Preparing technical opinion analysis for offshore or risky entities which requires Group Head/Risk approval.
  • Global appreciation received for handling a critical loan facility deal for an important client of Societe Generale.

Associate - Credit Analysis

Royal Bank of Scotland
New Delhi
07.2014 - 03.2018
  • Worked with credit analysis FI team, covering portfolio of complex clients which included asset/fund managers, banks, and insurance companies.
  • Experience on performing covenant analysis, NAV analysis, performance and management fee analysis and assigning credit ratings/grades for the same.
  • Appreciation received from Global head of Financial Institutions and onshore stakeholders for producing good quality reviews.

Credit Analyst

HSBC
Kolkata
11.2012 - 07.2014
  • Worked with FI team that proposes limits and prepare credit memos for clients who trade on various financial products .
  • Quarterly award received for successfully completing Italian Fund Project - Migration of funds from Italian domain to UK and timely setting up the accounts for the clients to trade.
  • Assessed credit risk and analyzed financial statements to determine the level of risk involved for extending credit exposure.

Analyst - IB Operations

JPMorgan Chase
Bengaluru
04.2011 - 11.2012

Worked with Mutual Funds team that processes Non ACAT deliveries daily and NAV calculations for third party transfer requests. Reconciliation of client's cash and stock positions and preparing monthly KPI's.

Education

MBA (Finance) -

Indian Institute of Planning And Management
Bengaluru, India
01.2011

B.COM -

St. Joseph's College of Commerce
Bengaluru, India
04.2009

Skills

  • Credit Analysis
  • Quality Assurance
  • Client Relationship Management
  • Financial / Data Analysis
  • Legal Documentation
  • Stress Testing
  • Risk & Compliance
  • Training & Development
  • People Management
  • Microsoft (Word & Excel)

Accomplishments

    Received many awards across companies for my performance and contribution towards the organization's success.

Languages

English
Hindi
Tamil
Kannada
Spanish

Personal Information

  • Passport: Holding a valid Indian passport
  • Date of Birth: 7th July 1988
  • Nationality: Indian
  • References would be provided on request.

Timeline

Associate Vice President - Credit Analysis

NatWest Group
04.2022 - Current

Team Lead - Credit Analysis

Societe Generale
03.2018 - 04.2022

Associate - Credit Analysis

Royal Bank of Scotland
07.2014 - 03.2018

Credit Analyst

HSBC
11.2012 - 07.2014

Analyst - IB Operations

JPMorgan Chase
04.2011 - 11.2012

MBA (Finance) -

Indian Institute of Planning And Management

B.COM -

St. Joseph's College of Commerce
Xavier Sylvester.S