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Data Analyst Front Office

Location:
Abu Dhabi, United Arab Emirates
Posted:
October 15, 2020

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Resume:

DEEPA KAMATH

Email:adg0et@r.postjobfree.com

Mobile: 009**-**-*******

Availability: Currently living in UAE on husband’s sponsorship and available to join immediately

OBJECTIVES

To work in challenging & responsible position in a dynamically progressing organization that will give an opportunity to show case my skills, knowledge and to constantly grow with the company.

WORK EXPERIENCE

Total work experience 12 years.

Organizations:

1) First Abu Dhabi Bank through TASC- Specilist CIB loans –From Nov 2015 to June 2020

2) National Bank of Abu Dhabi through Finesse Technology Trading LLC –Risk Analyst -From Dec 2011 till Oct 2014

3) Société Générale Global Solution Centre private Limited, Bangalore –Senior Process Executive-From August 2010 to Oct 2011- Loans Department of Asian Clients.

4) Deutsche Bank Operations International Pvt. Ltd (DBOI) Process Executive from April 2008 to 20 August 2010- Loans Department of European Clients.

5) HCL Technologies (Capital market division)-Process Executive-From June 2007 to April 2008. -Was responsible for Deutsche Bank’s European loan’s Back Office Operation.

PROJECTS

Operational hub Migration projects: Played vital role in migration of two operational locations namely Seoul and Tokyo loan operation from Hong Kong loan hub to Bangalore loan hub. Stabilized the process within short span with great ease.

Automation: Highlighted various process improvement ideas to management thereby ensuring the process is completely automated with least manual intervention. Example LIQ Notice Automation, Automated email to treasury.

UAE VAT Project Recon: When VAT was introduced in UAE bank system didn’t have the capability to handle new requirement, interim VAT was collected manually as bank was going through integration phase of two core system. I was involved in setting up the VAT requirement in one of the core system later stage sole handedly reconciled the manual VAT collected and submitted to Central VAT team for CIB loan operation from Jan 2018 till Dec 2018.

Integration of two bank’s Core System: I was actively involved with IT and project team integration phase of both banks core system from operational prospective and UAT’s. Standalone Lease flex system integration with t24.

GL/ Balance sheet cleanup project - As part of integration of two systems there was requirement from management to reconcile and clear the 20B portfolio lying in legacy banks system which required the data extraction and analysis of Balance sheet of loans department’s data from 2011 till 2018. Where I was exposed to analysis of receivable, payables, fee accrual, VAT competent of balance sheet. This activity was completed before the time line setup by management in coordination with various department namely credit /finance/restructuring /Central TAX team etc.

GLCMS Limit monitoring system stabilization -Played vital role in stabilizing the limit monitor system of Risk management Department, which includes the analyzing the business requirement; Data clean up in Credit workflow and limit monitor system; accurate data flow from core system/Source system to limit monitor system etc.

Manual migration of Loans: Due to system limitation and project team requirement there was ask from management to migrate around 150 loan contract from LIQ to another system i.e. T24 manually along with BAU activity which was completed within agreed time lines. In this project we had a lot of challenges namely FTP impact on closing on the loan, treasury rebooking,impact of interest rate difference applied two different core system was handled in coordination with different department i.e Treasury, finance, Operational Risk,ITD etc.

UAT: Co-ordinated and successfully tested UAT- User acceptance test for most of the project of department like Past due module in T24,Macro implementation for correct input of loan installment, loan BDR- LIQ-SSI project ( flow of info from Customer database to LIQ ), Eca Premium enhancement, Approval Matrix, implementation of etc

Job roles/duties/responsibilities carried out:

A)Reports preparation

Responsible for preparation of business and management reporting like sanction expiry, sanction due for expiry, early Alert report, board ofdDirectors report, top 100 client report

Assisting Finance Department of Bank in the preparation of UAE regulatory reporting like past due, Watch, and NPL.

Responsible for preparation of MIS report i.e. KPI, Risk Dash board

Coordinating with internal stakeholders for Internal Audit, Compliance, risk department to ensure adherence to the guidelines of Banking Standards

Conducting Internal Audit of department and assist/Provide the required info to External auditors on Ad hoc basis

Report all the outstanding loans and guarantee (Special Cases) to the Front Office/Middle Office for consulting on Risk, Exposure and Regulatory requirement for the bank.

B)Credit/Compliance Officer

Sanction issuance - Issue the facility advise letter to business ensuring facility approved comply with bank policies i.e Credit Approval process administration

Monitoring the Credit delegated authority within sub unit it includes the Commercial as well as ADNIF.

To assist Senior Credit Analyst / SRM / RM/ ARM in implementing and maintaining complete control aspects of client i.e. financial analysis of statement, documentation, periodical client visits/ call reports, stock inspections and formal credit checks/ informal market feedback to monitor the assigned portfolio effectively and handle special assignment as may be required

Review and Analyze the renewals of credit facilities for existing corporate clients and thereby assisting the RM .The process involves restructuring the credit facilities in the light of their utilization and current financial strength to bring it in line with bank’s Credit policy to maximize earnings while containing risks to an acceptable level

Review the new client’s credit worthiness based on qualitative and quantitative analysis of individual ability as well as based on parent /group structure.

Counterparty/UID creation in counter arty database i.e. GLCMS system

Assist different business units in routing, following up credit proposals through workflow system in order formalizing the approval through system.

Analyze the payment stuck due to any compliance issue set up in system and accordingly coordinate with compliance department

C) Data Analyst

Operational reconciliation between credit workflow and/Moody’s rating system to limit monitoring system i.e. rating; collateral value; exchange rate limits information etc.

Analyzing and Specifying the business report requirement to ITD

Validation of system generation report Vs manual report

First level analysis/ coordination with ITD and risk solution for system related requirement of Policy Compliance department

Involved in UAT /functional Testing in case new feature addition to Credit workflow system, SAS.

Ensuring correct flow of information/Data from Transaction system to limit monitor system. If there is any deviation highlighting it to ITD

D) Loan, Guarantee processing of different business line.

Responsible for managing the customer’s account as per the Credit Agreement.

Monitor instructions regarding loan activity (drawdowns, payments, rollovers) and interest/fees transactions, ECA premium from customer/lender/Agent and take appropriate action.

Responsible for issuing Guarantee, collecting Guarantee fee, issuance fee, Swift charges on issuance as per risk approvals and MO Instruction.

Monitoring and ensuring that all credit approvals are in compliance with bank's internal policies and regulatory guidelines

Involved in reviewing Loan Agreement before being executed for Operational feasibility and communicating the observation to FO/MO accordingly.

Involved in Pre Closing call with FO/MO to understand the Deal structure and also discuss on the operational clauses.

Managing a set of assigned Business line / portfolio like Export credit, Airlines, trade finance etc.

Liaising with the Borrower and Lender group on Agented deals to ensure right level of information is passed between the Borrower and Lender group.

Also, responsible for handling Data Quality Analysis for complete portfolio whereby need to fix any anomalies from BO preview and also instruct various other teams to fix anomalies handled at their level (eg. Collateral updation)

Deal Building and Customer Building

E) Trade support Desk

This process supports Par desk loan by performing below activities

Generating the trade confirmation for PAR desk.

Reconciling the LS2 generated report with Internal funding report for PAR and Distress desk and reporting Discrepancy to stakeholders

Bulk Internal funding for Par and Distress desk.

Funding rates Update in LS2.

Crediting the internal Customer through Mentcapt

G) Nostro Projection,Cash management /Payment

Responsible for Nostro projections by forecasting incoming and outgoing funds for Loans department.

Ensuring the projection in correct correspondent bank or customer account, so as to keep the control that account is not over-drawn

Ensure Cancellation of Nostro projection in case of Non receipt of Fund from Customer before the Cut off time and co-ordinate with MO, FO for follow up of funds

H) Treasury Management

Take proactive steps and ensure the funding to the client at reasonable rates in prior consultation with the internal Treasury.

Co-ordinate with Front officer, Middle officer and Treasury on any discrepancy regarding Funding rate, Margin, Local liquidity cost, Cost on early repayment of loans

Ensuring the internal funding updated in treasury system before cut off time.

I) Role of Accountant

Ensure that Customer Account, principal loan account,interest account, theoretical cash account, Fee accrual account updated in timely manner

Take corrective steps and action to ensure the income /fee/interest /issuance fee / facing fee on guarantee is been processed as per FO and MO instruction (Amortized or Flat income depending up on the nature of the fee).

Timely Closing of all BO Loans related account as per book closing dates provided by Regional ACFI and Local ACFI

Substantiating the account with all proof in case of balance of exceptional case

Applications Used:

Payment System - LS2(loan IQ), SSR, Webcing, DbInternet, SRG, Platon SWIFT,

Mencap, T24,

Treasury System - Autobahn, Horus

Reconciliation system- EPM.PSGL

Risk Management System-GLCMS-Global Limits and collateral management System

FACT- Financial Analysis and Credit Tool

MRA-Moddy’s Rating System

COMPETENCIES

Very high energy level with do it now attitude for achieving tasks.

Strong interpersonal and communication skills.

Adaptability.

Eagerness to take new challenges.

Good team player

EDUCATIONAL QUALIFICATION

2005-2007- M.B.A (Full Time) with Finance Specialization from Manipal University ( Formerly known as Manipal Academy of Higher Education) with 85.52%

Summer Internship Project – “Measuring customer satisfaction and service quality through SERVQUAL Instrument of ICICI direct”.

2002- 2005 - B.B.M (Bachelor in Business Management) with Finance Specialization from Bhandarkar’s Arts and Science College Kundapura affiliated to Mangalore University with aggregate 76%

PERSONAL PROFILE

Date of birth : 11-March-1985

Sex : Female

Nationality : Indian

Languages known : English, Hindi, Kannada and Konkani

DECLARATION

I hereby declare that the above given information is true, complete and correct to the best of my knowledge.

(Deepa Kamath)



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