Sarada Devi Malladi

Experience

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  Tata Tele Business Services

  Apr 2014 - Jan 2014

  Marketing Intern

  Photon plus churn management

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  Kotak Mahindra Bank

  Jan 2015 - Nov 2018

  Portfolio Relationship Manager- Business Banking Assets

  To manage and enhance the existing commercial portfolio and solicit acceptable new relationships in order to meet the preset financial and non‑financial objectives of the organization.To perform financial analysis, prepare the required credit reports, and underwriting of loan to support key decision making.Own the day‑to‑day credit relationship for a portfolio of corporate clients to provide high‑quality financial analysis to make recommendations regarding credit requests of the customers. Tunjukkan kurang

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  Barclays

  Jan 2018 - Sept 2021

  Senior Corporate Credit Manager- Wholesale banking

  Review the client's loan request thoroughly to assess their credit worthiness, key financial metrics, serviceability, repayment ability so as to prepare a detailed credit report that helps to drive a credit decision.Responsible for analyzing financial statements and calculating the financial covenants to ensure the health of the portfolio. Evaluation covers analysis of both historic and projected financial information to identify key issues and monitor compliance with covenants and terms. Evaluate and appropriately recommend proposals to sanctioning authority for any approval of waivers in terms of any covenant breaches or delinquency or any documentation gaps. Tunjukkan kurang

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  HSBC

  Sept 2021 - Jan 2022

  Credit approver - Wholesale credit & Market risk

  Credit approver with delegated new money lending authority for existing & new to bank clients.Role entails reviewing credit submissions and challenging the relationship manager'sproposition where required and approving/recommending a lending position within delegated credit authority.Analyze the new to bank and existing corporate counterparties in the Commercial/Global Banking segment and strategize ideas in terms of collateral security, approval conditions or setting suitable controls and covenants in order to mitigate the bank's risks.Perform a holistic review of the credit proposal taking into consideration both qualitative and quantitative factors Tunjukkan kurang