GARIMA GUPTA

acxprk@r.postjobfree.com

408-***-****

Career Summary

A customer focused and performance driven individual with 11 years of experience in Banking & Financial Services Industry. Having worked in multiple Geos including US, EMEA and APAC.

Strong domain knowledge of end to end Commercial Lending processes, Credit monitoring mechanisms & Credit documentation.

Experience in Private banking/ Wealth management with knowledge of products in Term Loans, Fixed deposits, Foreign exchange and Securities. Credit & Risk management by debt restructuring and collateral management.

US Commercial Real Estate Mortgage Loan servicing experience. Hands on experience in writing credit requests, financial statement analysis, and credit review of defaulted loans.

Understanding of US Residential Mortgages, trained on Home Mortgage Disclosure Act (HMDA final rule) reporting requirements

Experience in Accounts Receivables Management and Credit analysis of US commercial customers.

Consistently added value by re-engineering/ process improvement initiatives through process consulting, business analysis & migration opportunities.

Strong strategic and analytical capabilities combined with ability to achieve immediate and long-term goals and exceed operational deadlines.

An effective people manager who can inspire and motivate every team member with good interpersonal and communication skill; good at Time and Stress management.

Core Competencies

»Credit Analysis & Loan Operations

»Credit & Risk Management

»Mortgage Loan Servicing

»Business Analysis/ Process Consulting

»Commercial Banking/ Wealth Lending Ops

»Account Receivable Management

»Stakeholders and People Management

Professional Experience

SR. BUSINESS ANALYST

COGNIZANT TECHNOLOGY SOLUTIONS, USA (APRIL1, 2016- PRESENT)

Customers worked for: MUFG (Union Bank), Franklin Templeton

MUFG Union Bank

Successfully transitioned the MIS reporting process for the Retail Banking division that involved the migration of 150+ reports in a span of 8 weeks. This involved review of the requirements, working on the contractual documents and coordinating with the Delivery team and customer.

Work on RFP/ RFI opportunities received in areas like IT, Business Operations, Risk and Finance as a part of the Account Management Team

Understand the business requirements and assist building financial solutions (including methodology, approach, differentiators, execution plan, pricing sheet, resource profiles etc.)

Work cross functionally to manage and close the requirements

Understand and review contractual documents

Franklin Templeton:

Played a key role of a BA in creating a detailed implementation roadmap for Franklin Templeton (Private Wealth Department) moving from a legacy CRM platform to SFDC. Role required working with the Business and the Project Team and performing requirement gathering, data mapping, fit gap analysis, data integration with other financial research platforms and providing testing support.

Worked with the technical teams to translate the reporting requirements of the business to create visualizations and dashboards using SFDC BI Tool (Wave)

MANAGER, CREDIT & RISK

HSBC, Hyderabad India (June 2010 – October 2013)

Job Responsibilities:

Manage the Credit Operations Team (including functions i.e. credit application preparation, certifications, facility offer letter, security documentation, limit loading and loan disbursals)

Provide seamless service to the Relationship Managers in line with the Credit Policies and procedures for Commercial banking clients in Middle East and Australia

Facilitate processing of post approval functions. Certify credit proposals and approve customer limits for funding facilities in line with the procedures and authorized limits of authority

Implement agreed KPI’s, track performance and controls through dashboards thus managing process performance for sustainability and continuous improvement

Assess and identify key operational risks associated with existing processes and transitions and ensure robust controls are implemented and reviewed in line with the risk and compliance guidelines

Lead and manage migrations from business locations or from onshore teams ensuring best in class quality service to the customer groups

Effectively communicate and collaborate with internal stakeholders and customers (both at onsite and off-shore) resulting in enhanced customer engagement

Have been a part of flagship business projects and drove multi location implementation of global initiatives

Facilitate Business Continuity Management through business impact analysis, identify critical processes, conduct BCP tests, ensure business continuity and stability as agreed in the recovery plan

Accomplishments & Projects Undertaken:

Achieved Revenue generation/ reduced costs through production management tools and six sigma/ lean initiatives within the existing teams and processes

As a key stakeholder, like a business analyst worked with the Regional IT, IT Development team, Risk team, On-shore service delivery on the global automation initiative (auto booking of limits and securities).

Made significant contribution towards the implementation of global workflow platforms to credit processes in Australia.

As a process specialist, made significant contributions to global transition advisory projects through process consulting. This involved doing interviews with the business partner at Onshore locations, mapping their As-is processes, gap analysis, identify improvement & re- engineer opportunities, recommend To- be processes.

Migrated E2E credit processes and worked closely with the Transition, Training, On-site project teams and customer to optimize Quality, Efficiency, Cost and Customer Value in multiple customer engagements from Middle East and Australia.

SENIOR CREDIT OFFICER- WEALTH MANAGEMENT

ANZ BANK, SINGAPORE (OCT 2008- JAN 2010)

Job Responsibilities:

Ensure efficient and effective administration of expat mortgage loans / deposits / multicurrency accounts / FX / Securities for private banking clients for Japan / HK / Singapore portfolios.

Manage the credit operations team responsible for timely execution of loan drawdown, rollovers, repayments and redemptions in accordance with credit and loan documentation.

Approve transactions like drawdowns, rollovers, FX deals in the banks transaction processing system

Responsible for authorizing new account opening requests / inward & outward remittances / FX trades as per risk and compliance guidelines.

Monthly review and submission of credit reports which involve monitoring collateral value against exposure for margin call requirements and debt restructuring.

Review Nostro and Suspense account reconciliations for various currencies across different countries.

Ensure process and procedures are continually reviewed improved and changes are communicated effectively

Drive continuous improvement in the service quality to Relationship managers and the customers.

Provide support to the team for attending customer queries; liaise with internal and external parties, leadership team, relationship managers, and treasury and credit department.

Accomplishments:

Displayed competency by reducing the turn around times on special requests to 0 days.

Initiated Process improvement by cutting down 3-4 man hrs/per day on the process.

Successfully handled over 100 transactions / requests on daily basis.

Instrumental in effectively handling 1200 HN1 clients accounts.

SENIOR CREDIT ANALYST

CAPMARK FINANCE INC, HYDERABAD INDIA (SEP 2005 - JUN 2008)

Job Responsibilities:

Analysing special requests from borrowers on commercial real estate loans in accordance with applicable loan documentation & servicing agreement provisions.

Responsible for handling defeasance requests (substitution of commercial mortgage as collateral with US Govt. Securities & prepayment of mortgage loans.

Reviewing requests for proposed changes in commercial property management and making recommendations as appropriate.

Making Lease Abstracts and reviewing the property leases, amendments and terminations.

Underwriting requests for partial releases of collateral, extension of maturity, termination of cross collateralized loans.

Credit review of delinquent loans and making referral packs for transferring them to Special Servicer

Monitor all defaulted FHA insured loans and working with HUD for recoveries on the unpaid principal loan balance.

Handle transitions for new work/ adhoc requests from US counterparts which involved leading business conference calls with internal and external clients.

Responsible for formulating & review of the work flow and procedures, MIS reporting on productivity and quality to the business partners.

Accomplishments:

Contributed significantly through increased efficiency leading to decrease in turnaround times by 50%.

Won “Lightning Award” for exceptional work performance and process improvement initiatives taken.

Consistently rated as "Above expectations" performer in performance assessments.

Performed exceptionally on quality and turn around of special projects which helped to get further assignments from US counterparts.

Appreciated for conducting secondary research and compilation of Report on Hyderabad Commercial Real Estate-Market Overview.

CREDIT ANALYST / SENIOR CREDIT ANALYST

GE INDUSTRIAL SYSTEMS, HYDERABAD, INDIA (JAN 2003 - AUG 2005)

Job Responsibilities:

Responsible for Accounts Receivables Management of strategic portfolio of US domestic commercial customer accounts.

Invoice specific responsibilities involved credit collections (accounts receivables), contacting customer, order management and account maintenance.

Credit analysis of customer accounts, business trends and taking proactive steps to limit business exposure.

Risk Management involved setting and reviewing customer credit limits using Dun & Bradstreet reports.

Resolve claims and delinquencies on aging accounts with support of business finance managers, sales team and customer.

Conduct research on old unresolved issues and process customer refunds and write offs.

Responsible for generating performance metrics as per defined CTQs for financial reporting.

Accomplishments:

Promoted to Senior Credit Analyst for exceptional performance.

Recognized with the “Cheers Award” for always meeting the defined targets.

Awarded with "Pat on the Back" recognition for exerting extra initiatives for process improvements.

Ranked as an excellent performer during all the yearly employee assessments.

Trainings & Certifications

Training on the concepts of Six Sigma (DMAIC) and Lean.

Introduction to Mortgage Banking certification from Mortgage Bankers Association, USA

Mortgage Loan Underwriting certification from Mortgage Bankers Association, USA

Commercial Real Estate Servicing certification from Mortgage Bankers, USA

Understanding Real Estate Appraisal certification from Mortgage Bankers, USA

2 Day Fitch workshop on US Real Estate Industry and CMBS Market

Various Mandatory and Regulatory trainings in Banking Industry

Qualifications

MBA (Finance), Institute of Chartered Financial Analysts (ICFAI), India (2001- 2003), CGPA 8.4/10

50% Scholarship holder throughout the course

BBA (General), Institute of Foreign Trade & Management, India (1998- 2001), - 80%

Ranked 1st at Graduation

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