Agrita Khanna

The No.1 premium finance company in the UK and Ireland.

• Credit risk assessments for SMEs (including applications for increased/additional facilities) and ensuring completion on timely basis
• Undertake financial analysis utilizing insight and understanding across financial statements and relevant non-financial information like industry, business model etc
• Communicating approval decision to borrower in clear, concise and well explained manner
• Engaging with internal and external shareholders with clear objective of loss mitigation
• Support in several automation projects focusing on faster decisioning and risk mitigation

Full time POSITION CANCELLED due to Covid19 pandemic.

• Responsible for transactional approvals at Loan origination for Sales & Trading businesses
• Monthly MI for risk reporting to senior management
• Work with Investment Banking, Sales & Trading, Operations, Treasury and Legal teams
• Responsible for drawdowns and rollovers under syndicated/bilateral transactions
• Products handled: Lombard Lending, Mortgage and Unsecured Lending

Responsibility:

• Assessment of corporate lending proposals (with ticket size from $10K up to $1Million) 
• Evaluate credit worthiness for corporates through detailed analysis of financial statements (balance sheet, profit & loss and cashflow statements), credit bureau reports, industry performance, web search, processing statement and bank statements
• Conduct in-depth fundamental analysis for the corporations
• Assist in defining and documenting the Local Business Credit Risk Policy Manual
  
• Work closely with risk teams for Process Enhancements and Automation to get automated decisioning
  
• Review and approve the credit decisioning for higher ticket size ($) loans

Key Projects:

• Created Performance Metrics for Commercial Underwriting using data analytics tools

Responsibility:

• Led the team of 16 underwriters, trained and mentored them through regular feedback, coaching and training's
  
• Ensure high quality performance by the team while conducting due-diligence around cycle time 
  
• Adherence to agreed internal/external SLA’s and compliance
  
• Regular review of credit notes by the team

Key Projects:

• Reduced the end to end cycle time for commercial underwriting products from >72 hours to 40 hours (average).
  

Responsibility:

• Analysis of consumer (personal taxes, personal statement of net worth, bank statements etc.) and commercial financial statements (corporate balance sheets, cash flows, income statements).
  
• Analysis of key ratios, peer data and examine market & financial trends
• Conduct in-depth fundamental analysis for large corporations pertaining to US market, International consumer card and SBS pertaining to UK, Australia, Japan, Canada and Italy markets
  
• Evaluating loan applicant’s credit worthiness through detailed analysis of financial statements, credit reports, industry reports, business model.
  
• Ensure high quality underwriting while adhering to compliance and procedural guidelines

Key Competency:

• Deep insight of credit reports like CBR, Experian, FICO, D&B and other credit reports
• Strong problem solving, analytical aptitude and interpersonal skills
• Knowledge of US GAAP, IFRS and other GAAP’s
• Understanding of AML/KYC obligations
  

Responsibility:

• Manage and assess the working capital requirement of customers
  
• Deep industry research through historical performance and current performance of the industry
  
• Risk analysis through market research using 360 degree feedback
• Underwrite mortgage applications while complying with all regulatory and risk policy adherence 
  
• Review personal and corporate Credit Bureau reports, adhere KYC/AML, work with legal & valuation teams

Responsibility:

• Monitor health of the portfolio, Disburse & Sanction loans as per Reserve Bank of India regulations
• Presentation of proposals and facilitate approval from Risk committees

Key Competency:

• Manage and increase the size of the assigned Portfolio
  
• Relationship management through assessing the financial requirement of the business
• Budget analysis, strategic planning for improving capital resources planning