Rahul Thomas, CA

Experience

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  PricewaterhouseCoopers India

  Sept 2007 - Aug 2010

  Article Assistant

  Part of the Assurance & Business Advisory Services Team:* Handled assignments of Clients involved in various fields including Infrastructure, Trading, Manufacturing & Service Industries - Statutory Audits under Companies Act and Tax Audit under Income Tax Act* Management reporting for clients in respect of internal control framework, identifying internal control weaknesses and recommendations for improving the internal control environment* Ensured compliance with rules and regulations as per Companies Act, Accounting Standards and other relevant legislations for clients. Show less

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  Hewlett-Packard Financial Services

  Mar 2012 - Dec 2013

  Financial Analyst I Americas Team

  Part of the Americas Team of HP Financial Services - Global Leasing arm of Hewlett Packard Enterprise:* Analysis and Interpretation of financial data and variance analysis of financial statements to evaluate performance for the period* Review of Leasing Portfolio Accounts and Timely management of escalatabe numbers in collaboration with other partner teams* Liaison with Controllers in the U.S in respect of forecasting, data collection, analysis and presentation.

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  Emirates Islamic Bank

  Jan 2014 - Jul 2016

  Credit Analyst

  Part of the SME Credit & Risk Team* Performing detailed Credit Appraisal of SME relationships (new and existing) including Credit Underwriting, identification of Key Risks and framing of mitigating covenants* Financial Statement Analysis of borrowers with focus on Ratio Analysis and Trend Analysis* Undertaking Client Visits to understand business model* Conducting Portfolio Analysis and Portfolio management along with identifying Risk Trends* Preparation of Portfolio Updates and Dashboards for Senior Management reporting. Show less

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  RAKBANK

  Sept 2016 - Jan 2019

  Senior Credit Analyst

  - Performing detailed credit appraisal and risk evaluation of Business Banking Credit proposals (new and existing), identifying key risks and recommending based on the merits of the case - Performed Credit Due Diligence on multiple products including Business Loan, Machinery Loan and Point of Sale (POS) Finance under both Conventional and Islamic banking. - Responsible for Compilation of Daily MIS for the Business Banking Credit team for reporting to Senior Management - Conduct reviews periodically and recommend appropriate measures to improve the process and mitigate various risks associated with the credit administration process Show less

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  Mashreq Bank

  Jan 2019 - Apr 2021

  Assistant Relationship Manager, Corporate and Investment Banking Group (Contracting Finance)

  - Assistance in managing a diverse portfolio of International Customers (MNCs) of the Contracting Finance Division with Funded & Non-funded facilities and monitoring of the Financial Performance of these companies.- Handle review of credit facilities provided to corporate customers and preparation of mitigation strategy for various market/company risks identified. - Preparation of Credit proposals for analysing the Credit and Market risks for existing as well as new prospective borrowing relationships. This includes extensive review of financial and non-financial parameters and determination of the debt repayment capacity of the clients.- Analyze requirements of clients and ensure approvals for required facilities are arranged from the Risk Management team in a timely manner. Facilitated increase of limit utilization by proposing new Funded (Bilateral & Syndicated) and Non-funded facilities.- Analysis of industry trends and tracked progress/cash-flows of projects financed by the bank.- Monitoring of borrowing relationships by periodical interim assessment of the clients and tracking the repayment record, in order to ensure timely repayment of bank’s exposures.- Liaison with various departments (e.g. Operations, Compliance, Credit, Documentation, Legal, etc.) within the bank and provide appropriate solutions to clients’ queries/issues.- Maintenance of relevant documentation and timely update of clients business profiles (KYC) Show less

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  DUCA Financial Services Credit Union Ltd.

  Jun 2021 - Jul 2022

  Senior Risk Management Analyst, Commercial Credit

  - Assistance in the end to end adjudication process for New Credits and Annual Reviews in accordance with credit policy and guidelines. Includes review of due diligence documents (e.g. property appraisal reports, environmental assessment reports, lease agreements and industry reports) - Review of financial spreadsheets, risk rating, financial models and sensitivity analysis - Checking of commitment letters and construction draw requests. - Undertake quality assurance reviews on commercial credit portfolio, and coordinate with stakeholders (lenders, funding team, analysts, adjudication team) - Prepare reports and presentation for Credit Committees, Senior Management and Board ofDirectors in Commercial Credit Risk Management - Act as a coordinator for various project initiatives, as assigned by credit management(e.g. policy review, process improvement etc.) Show less

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  EQ Bank | Equitable Bank

  Jul 2022 - now

  • Senior Manager

    Oct 2023 - now

  • Senior Account Manager

    Jul 2022 - Sept 2023