Summary:
8+ years experience in Banking & Finance Industry in New Zealand. I have extensive experience in credit/ risk analysis to provide finance for SME to large corporate businesses with the ability to determine the application’s fate

Educational History:
• Masters in Business Administration (International Business) - AIS ST. Helens, Auckland, New Zealand. Year 2001 – 2003
• Bachelor of Commerce Graduate (BCom) – P. G. D. A. V. College, Delhi University, New Delhi, India. Year 1992 – 1995

Work Experience:
SENIOR RISK ANALYST
GE Capital (Fleet & Equipment Finance) April 2007 – Sept. 2010 in Auckland, NZ
Responsibilities -
• Undertaking risk analysis for new and existing clients requesting operating/ finance lease, equipment loan or a fleetline (flexible) facility on either passenger or commercial fleet and determining fate subject to approval authority
• Assessing credit/ finance applications for small businesses as well as for medium to large companies with some transaction exposures exceeding $10 million
• Extensive analysis and underwriting business papers for large ‘dollar value’ deals incorporating collateral analysis, dissection and interpretation of financial statements via Moody’s Risk Analyst, debt servicing analysis, industry risk analysis and commentary for an investment rationale
• Liaising regularly with clients and account managers to obtain necessary financial information
• Interpretation of financial analysis based around a company’s revenue and profitability; cash-flow and liquidity and its balance sheet (capital structure)
• Maintaining compliance standards through credit checks, global watch-list checks and further research
• Customer visits with sales team when required or deemed necessary
• Supporting/coaching the sales team and other members of the Risk department in understanding credit and legal requirements
• Ensuring legal accuracy of Master Lease Agreements (MLAs) and other security & legal documentation
Achievements -
• Promoted from a Risk Analyst to a Senior Risk Analyst in March 2009
• Demonstrated ability to assess applications competently to achieve an approval authority of $500K
• Competency to commercially review any deal to both protect the business’ asset base and ensure provision of excellent customer service
• Demonstrated ability to interview clients and process applications in a timely throughput
• Recognised for ability to analyse, underwrite and recommend complex deals with large risk exposure of up to $60 million
• Completed Omega training on Financial Accounting for Lenders (March 08 - August 2008), a Time Management course (September 2008) and a course on Influencing Others and Working in Teams (September 08)
• Recognised for efforts and maintaining productivity during company restructure and organisational downsizing
• Recognised for raising compliance related issues that posed a potential non-lending loss
• Developed an understanding of credit risk dynamics relating to the fleet management and leasing industry
• Recommended and introduced process changes to achieve team productivity and client satisfaction

BUSINESS ANALYST
Westpac Banking Corporation (SME/ Franchise/ Middle Markets), March 2004 – April 2007, in Auckland, NZ
Responsibilities –
• Preparing and analysing credit submissions for existing and potential customers relating to business banking, property investment/ construction loans, equipment/ asset finance and international finance
• Approving business deals under CAL (credit approval limit) and making recommendations to the credit manager
• Helping customers resolve their business and credit issues
• Identifying and pursuing sales opportunities
• Retaining and increasing business with existing customers by identifying business needs
• Providing full operational and technical support to the region-based business specialist
• Attending to the credit process on referrals from other areas of the bank

Achievements –
• Promoted at different stages from a SME Analyst (18 months) to Franchise Analyst (approx. 7 months) and finally to a Middle Market Analyst (approx. 11 months)
• Developed a good understanding of principles of credit analysis
• Ability to provide tailored banking solutions to meet customers’ business needs
• Acquired comprehensive knowledge of various industries and their financial dynamics
• Ability to link legal and security issues to credit applications
• Developed a significant understanding of accounting and economic norms used in credit analysis
• Commended for superior negotiation skills and customer service
• Enhanced knowledge of international business banking procedures and products

BUSINESS CONSULTANT
Westpac Banking Corporation (Business Direct/ SME), December 2003 – February 2004, in Auckland NZ
Responsibilities & Achievements –
• Renewal of home loan and business loan packages
• Identifying and pursuing sales opportunities
• Resolving daily customer queries and requests
• Provide tailored banking solutions to meet customers’ business and personal finance needs
• Commended for sharing lending knowledge in the team

LENDING CONSULTANT
Westpac Banking Corporation, April 2002 – November 2003, in Auckland NZ
Responsibilities & Achievements –
• Customer services, retention and sales of residential home loans, consumer insurance products, personal loans and other banking products
• Formula-based lending within pre-set Credit Approval Limit of up to $250K
• Use of internal databases and information systems
• Ability to link lending solutions to the needs of new and existing customers
• Completed development courses for Situational Self-Leadership and Lifting Lending and Sales Skills
• The highest rate of customer retention (98%) in the Year 2002
• Maximum cross sales from October 2002 to March 2003
• Consistent with high performance appraisal through customer feedback
• Teamwork award for achieving over 150% of sales targets
• Winner of monthly sales competitions on three occasions
• Presentations at business units quarterly strategy meetings
• Consistent contributions to productivity, quality and efficiency improvements

Acquired Skills and Capabilities:
• Proficient in the use of Microsoft Office tools with advanced knowledge of Excel and SQL Server 2005 (IT courses completed for the same)
• Excellent oral and written communication skills and the capacity to deliver them through refined presentation skills. Former member & treasurer of the Rangitoto Toastmasters Club (Auckland, New Zealand)
• Proficient in the use of financial calculators
• Effective combination of analytical and interpersonal abilities
• Understanding of credit principles in application to residential mortgages, business, commercial and personal loans, equipment loans and other products related to cash-flow lending
• Understanding of financial markets, fundamental & technical analysis related to valuation of securities
• Understanding of economics, marketing principles, financial management and decision making principles, interest rate calculations, foreign exchange risk management, international trade policies, financial markets, banking/finance industry, loan/mortgage calculations and legal aspects of securities and documentation