Sangeetha Kawar
Banking Operations
Dubai
Summary of Career
1. Skilled in screening loan requests, evaluated clients' Financial information, assessing risk ratios, and presenting approved or rejected loans to management
2. Expertise the risk ratios of clients based on their credit score and 3inancial history
3. Good academic qualifications would be desirable, but less relevant than a strong track record in AML / KYC and / or operational reference data
4. Good knowledge of MS Of&ice Suite, including proficiency in Excel
5. Ensured that loan applications are in line with the company's financial policies, as well as state laws and regulations
6. Assembled the needed 3inancial documentation and assessing the clients' creditworthiness
7. Monitored the progress of the loan application process and relaying any hindrances to clients
8. Excellent reporting and observational skills.
9. Conducting Financial assessments
10. Approved or denied loan requests, and communicating your decision to both clients and management
Experience as Credit Assessment Officer
ANZ Support Service India Pty Ltd
22 June 2015
13 May 2022
ANZ Bank, Bangalore as Credit Assessment Officer Aug 2021 - May 2022
Discharge and Consents Team, ANZ BLR
Contribute to exercise sound decision making in relation to Bank security, whilst making sound recommendations for proposals outside own CAD. Have handled Retail Banking Customers (Personal Customers) and rarely on for Business Banking Lending's using BizCAT
Depth knowledge of Bank processes, products and services in order to effectively and confidently identify the needs of complex Home loan customers.
Understand and interpret the banks changing risk appetite to ensure decision consistency and quality is maintained.
Ensure all services delivered comply with ANZ Group governance requirements, policies, processes and standards.
Perform quality/Error analysis for the team to keep up on accuracy. Current CAD limit in this team is $1.5 million at grade 5.2 (Secured Credit Assessor) where this was achieved very quick within 2months of joining role.
High focus on identifying risks/ideas and started a customer focus team for the department which was termed as Customer Centricity Culture.
QA & Technical Trainer - Oct 2019 - Jul 2021
Quality Assurance & Training Team, ANZ BLR
Perform quality checks for cases processed by operators in the team as per the quality frameworks and compliance obligations defined by regulators and the bank
Process trainer (New starter and Upskilling) for settlement process across CLO teams in Bangalore
Established evaluation measures for learning solutions at reaction, learning and behavioral levels
Ongoing checks for relevance of training through monitoring of policy (regulatory, external and internal) and process changes with the Business stakeholders
SPOC for managing the inter-hub communications pertaining to process updates and projects
Collaborate with Onshore Stakeholders to mitigate any possible risks in the business and designate additional control measures within the business.
Senior Analyst. - Jun 2015 - Sep 2019
Retail Banking , Home Loans & Mortagage
Delivered financial oversight and advice to corporate stakeholders to improve strategic planning.
Managed, tracked and monitored financial updates, watch lists and insurance files.
Developed presentations and reports to inform and educate stakeholders and financial teams on growth possibilities.
Trained new analysts on corporate policies and procedures and implemented mentoring program, reducing onboarding time.
Collected, maintained and updated financial loan databases of more than 10000 plus mortgage loans.
Received appreciation across channels for being able to handle queries and giving it quick fix, hence selected as first contact for any escalation enquiries (external) or issue related quality (internal).
Matric 22 March 2012
10th Class - State Level Syllabus from SN English High School 12th in Accounting and Computer Science from Vasavi PU International College, BangaloreBachelor 25 May 2015
B.Com. in Finance & Account from SRN Adarsh College, Bangalore