Sugitha Mary
Southampton ,Hampshire
Summary
Motivated and proficient Credit Analyst with six years of experience in the banking sector. Skilled in overseeing day-to-day operations through effective control frameworks. Well-versed in lending facilities, query resolution, credit systems, and documentation. Possess strong analytical and creative problem-solving abilities with keen attention to detail. Collaborative team player committed to delivering accuracy and efficiency.
Overview
6
6
years of professional experience
Work history
COMMERCIAL LENDING ( Documented )
National Westminster Bank
Chennai, Tamilnadu
06.2025 - 01.2026
• Review loan/credit agreements and facility amendment letters for accuracy and completeness.
• Ensure key terms including interest rates, tenor, covenants, security, and limits are captured appropriately.
• Set up and maintain facility structures and borrower details.
• Highlight discrepancies or risks to legal, compliance, or credit risk teams.
• Act as a bridge between Front Office (deal origination) and Back Office (settlement/servicing).
• Support end-to-end deal lifecycle management from agreement review to drawdown and repayment processing.
COMMERCIAL LENDING (Non-documented)
National Westminster Bank
Chennai, Tamilnadu
08.2021 - 06.2025
• Set up lending facilities such as Cards, BACS, Overdraft, Rate Risk Management, and Intra Day Limits as per stakeholder requirements.
• Maintained strong client relationships and monitored mail requests and allocations.
• Allocated tasks to resources and managed control checks, including End of Day (EOD) reporting.
• Served as a Process Trainer and Checker, providing coaching for new joiners.
RETAIL BANKING (Customer Support)
National Westminster Bank
Chennai, Tamilnadu
08.2019 - 08.2021
- Managed and resolved online banking queries promptly.
• Dealt with customer complaints and ensured seamless service delivery.
• Provided training and support to fellow employees.
Skills
Team & Client Management: Internal team leadership and external stakeholder management
Effective Communication: Strong interpersonal and critical thinking skills
Operational Excellence: Ability to multi-task, prioritize, and perform under pressure
Agile Methodology: Proficient in Agile values and principles
Risk Management: Proactive in handling risks, escalations, and problem-solving
Accomplishments
• Received multiple LOV awards throughout a 6-year career.
• Recognized and appreciated by stakeholders for consistently prompt and accurate work.
• Rewarded monetarily for continuous support and team contribution during a BCP situation in 2023.
EDUCATION
MSc FinTech | 2026 – Present | University of Portsmouth
B.Com - Accounting & Finance | 2015 – 2018 | Stella Maris College
Timeline
COMMERCIAL LENDING ( Documented )
National Westminster Bank
06.2025 - 01.2026
COMMERCIAL LENDING (Non-documented)
National Westminster Bank
08.2021 - 06.2025
RETAIL BANKING (Customer Support)
National Westminster Bank
08.2019 - 08.2021