Shobit Jain, FRM

Experience

• 

  Bank of Maharashtra

  Jul 2009 - Feb 2011

  MANAGER FINANCE

  • Project Appraisal using financial analysis techniques like credit rating, ratio analysis & MPBF method.• Comprehensive due diligence by conducting post & pre sanction client site visit and performing CIBIL database check.• Supervision of loan account creation on BANCS 24 (CBS) and credit documentation. • Monitoring and analysis of credit portfolio using MIS - CREAM (credit monitoring software) for evaluation of loan book, identification of NPAs and necessary measures for their recovery & regularization.• Worked on various funded and non funded credit products like CC,TL,BD,LC,BG etc. Achievements: • Awarded Certificate of Appreciation for performance in Loan Mela organized for CRPF.• Increased SME loans portfolio of the branch by twofold from Rs.14 cr to Rs. 28 cr.• Achieved recoveries from old NPA accounts under the provisions of SARFAESI Act. Show less

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  Bank of America

  Feb 2011 - Dec 2012

  Analyst- FI Debt Products

  • Preparation of detailed Credit Approval Memorandums (CAM) for facilitating credit decisions based on financial performance of Bank of America’s FI clients (EMEA Region).• Financial statement evaluation using financial ratios, industry/ peer group, and management analysis. • Responsible for accurate Credit Risk Rating of clients in the allocated client portfolio based upon various financials and non-financial factors.• Preparation of Banking System studies for the given portfolio by assessment of Country risk, SWOT analysis of the industry and recent trends.Achievements: • Received Appreciation Award for fast learning and accurate analysis in CAMs.• Received a perfect 5 out of 5 score for a deal CAM. Show less

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  RBS

  Dec 2012 - Oct 2021

  Associate Vice President

  • Underwriting credit risk of US Financial Institutions (FIs) and recommending credit decisions for a portfolio of around 30+ names.• Key focus on the CAMELS analysis coupled with industry, economy and peer group analysis, and recommending credit decisions in accordance with the credit policy of the Bank. • Responsible for internal grading of the counterparties using the internal rating application known as Cradle (developed on S&P’s framework).• Reviewing legal documents with specific focus on ISDA/ CSA documentation covering derivative lines.• Part of the training development team for the new management trainees. Developed CAMELS training module for the Bank’s team. Part of the hiring team for graduate trainees from IMT Ghaziabad.• Mentoring of new members joining the team and responsible for the quality check of their reviews.Achievements: • Received “Rising Star” award given to an individual for making a significant impact on the team performance within the first year.• Member of the pioneer team for delivering end to end credit documentation.• Automated the Cradle inputs using SNL Financial. • Was promoted to Associate from Senior Analyst in first 15 months due to exceptional performance. Show less

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  NatWest Group

  Oct 2021 - Aug 2023

  Vice President
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  First Abu Dhabi Bank (FAB)

  Aug 2023 - now

  VP & Head of Credit Financial Institutions