Sonali Budhia

Experience

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  HSBC

  May 2011 - Jun 2011

  Summer Intern

  Analysis of East India Market for Trade Finance Products in Business Banking Segment.•Strategic Consulting, including business plan & sales strategy development. Advising new businesses on formation of corporations and business structures, drafting privacy policies and structuring commercial transactions.•Generation of new business leads for HSBC, (Increased by 5 lacks)

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  Central Bank of India

  Jan 2014 - Mar 2019

  Corporate Credit Analyst

   Credit Officer1. Responsible for end to end Credit Appraisal of Corporate Group Accounts (Sole/Consortium/Multiple Banking) and MSME accounts of the region 2. Comprehensive Term Loan and Working Capital assessment for infrastructure, pharmaceutical, hospitality projects and other SMEs under manufacturing and services sector 3. Preparation and submission of detailed appraisal note with industry and technical analysis to the credit approval committee 4. Monitoring of Corporate Projects under Implementation Stage and liaising with them to provide critical information for maintenance of Asset Quality.5. Mobilization of new proposals and ensure strict adherence to TAT for better customer service6. Monitoring of all the loan accounts through early warning signals and other internal control mechanisms (MMRs, Control Returns, Credit Audit etc.)  Risk Manager1. Assessment of Credit Risk of Large Corporate and SMEs through Risk Assessment Tool (RAM Module) ensuring a risk based pricing of the loan2. Conducting quarterly Operational Risk Management Committee Meeting(ORCO) to strategize on operational risk parameters, 3. Preparation of Loss Event Data for reporting to Corporate Office Show less

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  HSBC

  Apr 2019 - Oct 2020

  Credit Risk Manager

  Manager- Credit Risk1. Conducting credit review of identified higher risk counterparties within UK region and make suitable recommendations for further actions to protect lending position and minimize potential credit losses2. Carrying out periodical follow-ups to ensure the recommended and required actions in line with policies and procedures are implemented especially for high and medium risk relationships3. Conducting hindsight review for defaulted relationships to improve the credit monitoring profile.4. Responsible for ensuring strict adherence to Group policy and procedures, risk controls, regulatory standards, policies & practices and reporting control weaknesses & compliance breaches5. Assist in managing and monitoring developments of lower risk problematic accounts6. Periodical submission of various risk-based reports to the offshore counterparts to enable them to take timely and informed decisions7. Awarded the Spot award in Nov’19 for single-handedly managing the entire team’s workload and ensuring no SLA breaches Show less

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  First Abu Dhabi Bank (FAB)

  Jun 2021 - Oct 2021

  Specialist Credit Management

  Manager – Specialist Credit Management1. Credit underwriting for corporate clients of the bank through assessment of credit risk profile through Moody’s Credit Lens tool and timely preparation of credit appraisal note for credit committee approvals.2. Assessment of credit worthiness of the client through industry, business model and financial statement analysis.3. Supervision and Monitoring of the credit portfolio through the bank’s internal monitoring mechanisms.

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  Wells Fargo

  May 2022 - now

  Commercial Banking Portfolio Manager-Credit