Pooja Singh

Experience

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  Punjab National Bank

  May 2012 - Jun 2012

  Intern

  Credit Appraisal and Risk Management of SME and Large Corporates

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  Ladderup Wealth Management

  Mar 2013 - Apr 2014

  Wealth Manager

  ● Provided niche and comprehensive financial plans to Ultra HNI clients including retirement,estate and trust planning● Grew the client base by sourcing more than 60 new HNI relationships thus adding approx. INR280 Million to the existing portfolio within 8 months.● Monitored client portfolios of approx. INR 600 Million and conducted periodic relationshipmanagement to ensure that portfolio performance met client’s expectations

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  INDIAN OVERSEAS BANK

  May 2014 - Jun 2022

  Credit Manager

  ● Responsible for evaluating the credit worthiness of applicants by processing loanapplications and documents.● Developed and implemented credit risk assessment models to improve the accuracy of creditdecisions.● Managed a credit portfolio of INR 600 Million in loans to individuals, MSME’s and largecorporates.● Reduced chronic NPA of the branch from INR 55 Million in 2017 to INR 21.7 Million in 2019.● Increased the Loan portfolio of branch by CAGR of 20% since 2017.● Reduced the number of declined credit applications by 27% due to a more accurate and thoroughanalysis.● Completed loan documentation to rectify irregularities pertaining to credit appraisal pointed outin various audit reports.● Renewed the existing loans on the basis of new risk factors that could change the risk rating,analysis of financial performance, performance vs projections, relationship profitability andother risk drivers.● Continuously monitored the accounts for EWS and reviewed the accounts in timely manner forany rating downgrade or credit worthiness. Show less

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  Evalueserve

  Oct 2022 - Jan 2024

  Lead Analyst

  •Monitored and evaluated the performance of the lending portfolio, diligently identifying trends, risks, and opportunities for optimization.•Conducted interim reviews of credit applications, including business overviews,SWOT analysis, financial analysis, covenant testing, PD-LGD analysis, and collateral analysis.•Providing ad-hoc support to credit managers.•Calculating covenants in line with facility agreements and providing detailed rationale for covenant met/breach results.

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  Wells Fargo

  Mar 2024 - now

  Senior Commercial Banking Portfolio Manager