Prem Saldanha

Work History

Work History

Credit Analyst

CIT/Bank Of Qld-Australia
Credit Analyst: Preparing/approving submissions to the relevant officer or Credit Committee for transactions up to $2mio. Risk profiling, financial analysis, reading financial statements and consolidation. Maintenance of appropriate credit files and statistics for management reporting and audit purposes(including analysis of bad debt write offs to monitor for potential weaknesses in acceptance of standards). Fully engage and participate in credit process improvement initiatives to meet key operational business needs of acceptable turnaround times and high productivity whilst maintaining business controls within appropriate credit standards. Undertake and complete tasks/projects assigned by the Chief Credit Officer such as the compilation of activity or portfolio metric reports and any other projects duties. Chattels looked at Bike, computers, Office furniture, Printers and Phone systems. Excellence Award CIT Finance 2009 Supporting information

Credit Analyst

ANZ Bank Australia
Credit Analyst: Receive allocated deals through SBMA system from internal and external Business Partners and assess applications up to a credit limit of $500,000 in line with Esanda's Retail Credit Policy. Review, analyse and investigate individual deals according to time order/rating/modification deals and ensure they are processed within SLA i.e. facility, goods, supplier, reasons for application referral, account conduct, assigned rating Conduct or review appropriate checks using ABR, ASIC, CRAA, and ANZ systems e.g Hogan and AS400 and make appropriate credit decisions Liaise with internal and external business partners in order to make a decision regarding credit approval and provide evidence and justification of declined deals where necessary

Credit Underwriter

Mercedes Benz Australia
Corporate Credit Underwriter- Analysis of Corporate Credit applications greater than $1. 5mio up to $25mio. This includes cash flow & asset based lending analysis, Veda searches, internet searches, reading financial statements, consolidation, risk profiling, business trend analysis and assessment of application using various databases and/or financial statements to determine customer's credit worthiness. Presentation of Credit papers greater than $4. 0mio to Deal Review committee. Establishing strong relationships with the Fleet Management team constant co-ordinated approach to enhance relationships and provide a single point of contact for queries and alternative solutions across the corporate portfolio when needed. Prepare facility letters and any required security documentation in conjunction with legal. Accurate and timely monitoring of corporate portfolio which includes establishing triggers, covenants, completion of periodic annual reviews and continuous risk monitoring. Regularly updating internal Credit /Risk databases pertaining to our clients and industry(Risk monitoring of customers, Hardship etc.). Conduct Asset committee meeting to discuss problem credit and monitor loss process. General operational and administration tasks across a portfolio of clients e.g updating registers, files etc. Ensure proper corrective actions are completed for exceptions noted by regulators, auditors and outside credit reviewers. Ensure department policies and procedures are in compliance with regulations and properly implemented.

Education

Education

BACHELORS

MANIPAL INSTITUTE OF TECHNOLOGY

MASTERS

GRADUATE BUSINESS SCHOOL

Skills

Skills

cash

core competencies

Saving

Cost

Building

credit