SHEETAL PAI
London,ENG
Summary
Seasoned Credit Analyst with over 7 years of experience in evaluating and managing credit risk across financial Institutions including Banks and Sovereigns across Nigeria, Ghana, Ethiopia, the UK, and European markets. Adept at analyzing complex financial statements, assessing credit risk, and delivering insightful credit assessments to support strategic decision-making. Seeking to leverage my expertise in credit risk analysis, regional market knowledge, and strong analytical acumen in a challenging role within a dynamic financial organization.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Credit Analyst
Bank of Beirut UK Ltd
London
11.2022 - Current
- Prepared credit proposals and analyzed financial institutions' counterparties for risk assessment.
- Determined internal risk ratings using Fitch scorecards and evaluation models.
- Reviewed transaction materials from front office to ensure compliance with credit policies.
- Recommended new or amended credit limits based on thorough financial analysis.
- Adhered to Credit Policy and Procedures throughout approval process lifecycle.
- Set approved internal limits and maintained accurate risk codes in internal systems.
- Monitored credit conditions of counterparties and sovereign entities regularly.
- Created and maintained comprehensive credit files per Credit Procedure guidelines.
- Prepared monthly and ad-hoc reports for management and other committee meetings.
- Carried out in-depth research on counterparties, as well as developed market/industry intelligence, through reliable publicly available sources of economic, political, and financial information.
Senior Associate
State Bank of India UK Ltd
London
04.2022 - 10.2022
- Preparation of investment proposals for presentation to the UK Regional Committee.
- Financial and credit analysis for investment transactions. Ratio analysis, business risk/financial risk analysis, SWOT analysis.
- Quarterly Review of Investments.
- Preparation of exception reports relating to deterioration in financials, rating action, or price breach.
- Preparation of control reports and submitting the same to IBG.
- Preparation of divestment reports for presentation to the UK Regional Investment Committee.
- Maintenance and filing of all investment-related documents, records, and approvals.
Junior Credit Analyst
ABU DHABI COMMERCIAL BANK (ADCB)
INDIA
11.2017 - 07.2018
- Performed credit analysis of large corporations, and developed financial models to assess the creditworthiness of potential borrowers.
- Conducted in-depth research on industry trends and company performance to ascertain the level of risk involved in extending credit.
- Coordinated with internal teams such as legal department and operations team while processing loans.
- Ensured compliance with regulatory requirements and internal credit policies during the credit approval process.
- Preparation of a credit assessment note, including a term sheet and review of the financial model for the sanction of various credit facilities.
- Computation of internal rating using ADCB’s internally approved credit rating model.
- Credit monitoring of covenants and other credit conditions.
Education
Master of Commerce -
University of Mumbai
IndiaCertification
IFRS -9 Financial Instruments and ECL modeling Course in September 2024.
Credit Risk Management under Basel Capital Adequacy (Basel II, III, IV) in October 2024.
Introduction to Bank analysis in October 2023.
Completed Certified Credit Officer course from the Indian Institute of Banking & Finance (IIBF) in the April’2017.
Languages
English, Hindi, Marathi, Konkani.
Hobbies and Interests
Gardening, Travelling, Listening to music
PERSONAL DETAILS
DOB: 25th Sep,1991
Affiliations
- Handmade Arts and Crafts
Timeline
Credit Analyst
Bank of Beirut UK Ltd
11.2022 - Current
Senior Associate
State Bank of India UK Ltd
04.2022 - 10.2022
Junior Credit Analyst
ABU DHABI COMMERCIAL BANK (ADCB)
11.2017 - 07.2018
Master of Commerce -
University of Mumbai
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