Bhawna Aggarwal

Experience

• 

  ICICI Bank

  Aug 2009 - Oct 2011

  Retail Banking-Assistant Manager

  •Responsible for handling and supervising operations. Responsible for handling escalations and finding resolutions and for decision making in order to streamline operations where ever necessary.•Implementing key initiatives emanating from operational strategies. Ensuring high level of customer service in the Branch. Managing difficult customer situations. •Ensuring compliance with internal and external guidelines and ensuring minimal comments in audits and other inspections. Complying with five s audit guidelines and sox compliance•Ensuring transactions are processed with a high level of accuracy and commitment in order to satisfy customer needs.•Complying with AML Laws and adhering to KYC norms•Implementing six sigma guidelines to minimize escalations•Lobby management and branch administration.•Benchmarking Face to Face Customer Management Process with competing and non competing organizations and implementing Best Practices that are in sync with Banking Regulations and Bank's policies •Managing the Personal Banking portfolio to ensure that customer service is consistent with or exceeds the bank's quality benchmarks on service standards •Financial Planning and Portfolio management for High Net Worth Individuals.•Coordinating with the different departments such as marketing, audit, legal and IT. Managed retail banking operations, mobilized CASA and FDRs, and handled 100+ privilege banking customers.• Awarded i-ratna for FDR mobilizations in ICICI Bank. Show less

• 

  SIDBI(Small Industries Development Bank of India)

  Dec 2011 - Jun 2022

  Manager

  •Successfully implemented corporate projects, including Green & Brown Field, Startup Funding, Asset Finance, Leverage Finance, Sustainable Finance, Energy Saving Projects, and Trade Finance.• Conducted comprehensive financial due diligence, assessing statements, profitability trends, and ratio analysis (DSCR, DER, Liquidity, Solvency).• Created financial models for projections, trend analysis, and project profitability evaluation (DCF, NPV, IRR, PIs).• Evaluated credit risk in projects for financing, including equity and mezzanine funds, object finance, and letter of credits.• Developed strong customer relationships through regular meetings to understand their requirements and serve them optimally.• Performed credit rating based on financial analysis, market and industry research, SWOT, and sensitivity analysis.• Processed detailed appraisals, legal and mortgage documents, letter of intent, exit strategies, and various guarantees.• Maintained compliance and closed observations in statutory audits, internal audits, and legal audits.• Conducted credit monitoring, identifying potential risks, stressed accounts, credit line utilization, and cost structure, and proposed recommendations to management.• Led loan syndication and loan takeovers, ensuring asset transfers, charge creation, due diligence clearance, and legal compliances.• Conducted in-depth analysis of creditworthiness, summarizing key findings, and providing recommendations to key stakeholders.• Provided financial assistance to viable projects.• Utilized SQL and Excel to extract and analyze banking data, normalize data, and perform financial analysis.• Built visualizations to highlight trends and make recommendations to key stakeholders. Show less

• 

  Mashreq

  Feb 2024 - now

  Assistant Relationship Manager-Corporate and Investment Banking