Ruhi Sood, MBA

Experience

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  Cognizant Technology Solutions

  Aug 2007 - Jun 2010

  Programmer Analyst
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  Unicon Investment Solutions

  Apr 2011 - Jun 2011

  Research Analyst
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  Central Bank of India

  Jun 2012 - Mar 2014

  Credit Analyst, Commercial Banking

  As a Commercial Credit Analyst, my prime responsibilities included assessing the possible credit risk in bank's asset book by analyzing areas of Business Risk, Management Risk, Financial Risk, Industry Risk etc. This was achieved by studying industry trends, analyzing client's financial statements, monitoring client's account transactions and by conducting defaulter checks for the borrowing company and the management. The role also comprised of making suggestions to mitigate the assessed risks and this included fixing appropriate pricing depending on the assessed risk and by stipulating terms and conditions to ensure appropriate stake of the client in the financed project. Show less

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  ICICI Bank

  Mar 2014 - Jun 2016

  Relationship Manager, Commercial Banking

  As a commercial account manager, my role comprised of end to end handling (pre-sanction to post sanction) of bank's asset portfolio comprising of commercial clients in various industries. I was the first point of contact for internal customers (legal group, operations group, audit and compliance group) as well as external customers (external auditors, lawyers, valuers, business clients) for any queries pertaining to the business clients in my portfolio. I enjoyed interacting with commercial clients to understand their business needs and helped them achieve their financial goals and objectives by presenting their business case to appropriate sanctioning committees/forums within the bank and followed up with internal teams for timely disbursement of sanctioned limits into client's accounts and ensured the credit quality of the assigned portfolio by regular monitoring of the account statements and identifying any early warning signals. Show less

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  TD

  Dec 2016 - Jan 2021

  Commercial Banking

  Solid experience in Business development, Complex Commercial Credit Structuring, Commercial Portfolio Management, Annual Review, Restructuring of credit requests, Maintaining awareness of bank's loan policies, economic and business trends, Liaising with business partners in Commercial Banking

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  CIBC

  Jan 2021 - Oct 2024

  Senior Manager- Mid Market

  • Managed relationships with medium to large businesses in various industries, providing customized financing solutions.• Collaborated with medical/veterinary professionals, lawyers, and franchises to meet their financial needs.• Achieved significant revenue growth through tailored financing solutions and strategic partnerships.