Mithadevi Radesh Bolar

Experience

• 

  Emirates NBD

  Mar 2005 - Aug 2015

  Assistant Manager- GCD SME Credit

  ✓ Risk assessment of credit proposals of Small & Medium Enterprises (SMEs) including, travel accounts, corporate cards, Al Tomooh Scheme.✓ Providing appraisals basis, the financials, eligibility, account conduct, profile of companies, proprietorship and partnership concerns✓ Meet customers to discuss facilities requested.✓ Liaising with Relationship Managers, Group Credit Department, Trade Finance Services, Legal Department.✓ Conduct policy related due diligence.✓ Monitoring of quality of the bank’s lending business. Show less

• 

  RAKBANK

  Sept 2015 - now

  ✓ Working as Associate Vice President, perform detailed Credit assessment of Business Proposals for Corporate highlight the major risks & mitigates and provide appropriate recommendations to the relevant approving authorities with an aim to build a healthy & profitable asset portfolio for the bank.✓ Providing appraisals basis, the financials, eligibility, account conduct, profile of companies, proprietorship and partnership concerns✓ Critically assess the Business proposals from all perspectives including financial analysis, compliance with bank’s internal policies as well as central bank guidelines, identification & assessment of risks & mitigates, appropriateness of credit rating, facility structure, collateral securities and risk vis-à-vis reward from the relationship. Show less Review/ recommend Working capital, Term loan, Real estate and contracting proposals in line with the approved credit policies, procedures and general economic environment( Corporate, Commercial and SME portfolio)➢ To meet the client, if required to understand overall profile and requirement of the client and to gauge the strengths/ weaknesses of the case proposed by Business Units.➢ Monitoring portfolio of assets and exercising close surveillance to ensure its healthy status; research and analyze both micro and macro development in relation to credits to provide anticipatory warnings of risks, foresee danger signals and advise measures to prevent losses. Identify weak accounts within allocated portfolio and recommend for downgrading – with or without provisioning➢ To set-up effective work flow of processing of files and tracking of same to weigh the productivity and TAT. To monitor through periodic irregular reports the problem/weak accounts, substandard accounts and identify any adverse trends for further reporting.➢ Identify customers/processes having potential weaknesses so that timely corrective action can be taken to minimize losses. Assist in maintaining a quality SME portfolio through monitoring of industry and credit risk, monitoring of economic indicators and industry risk trends and identifying early warning signals.➢ Review the credit analysis and presentation of Credit Analysts for onward approval.➢ Working closely with business teams on new transactions, providing risk input on key terms and conditions to ensure the structure is consistent with risk appetite and relevant policies.➢ Undertake investigation of cases/issues/accounts identified for post approval review and provide comprehensive reports covering all the material issues of violations and lapses➢ Take part in projects relating to initiatives of the Bank in which participation of the Credit department is required. Show less

  • Associate Vice President WB Credit

    Nov 2022 - now

  • Manager WBG Credit

    Oct 2021 - Oct 2022

  • Assistant Manager WBG Credit

    Feb 2020 - Sept 2021

  • Assistant Credit Manager SME Credit

    Sept 2015 - Feb 2020