Bhim Dhungana
@bhimdhungana
I’m a Credit Analyst specializing in SME commercial lending, credit risk, and portfolio governance.
AustraliaWhat I'm looking for
I’m a Credit Analyst and commercial lending professional with tier-1 banking experience in SME credit assessment and credit submissions. I focus on financial statement analysis, cash flow review, and serviceability assessment to produce clear approval recommendations and strengthen underwriting discipline.
In my current role as Cluster Head – SME Banking, Credit and Operations at Standard Chartered Bank, I lead multi-branch operations with a strong emphasis on lending growth, portfolio quality, risk controls, and regulatory compliance. I also support governance through audit remediation, compliance monitoring, control testing, and risk training.
Previously, as a Branch Manager and Credit Analyst (Business Banking SME), I managed and monitored an SME credit portfolio exceeding ~AUD 20 million, preparing credit memorandums, risk grades, covenant reviews, and approval recommendations. I also built capability as an early SME Relationship Manager driver of business acquisition and credit development, while maintaining strong portfolio health.
Experience
Work history, roles, and key accomplishments
Led multi-branch SME banking operations focused on lending growth, portfolio quality, credit discipline, risk controls, and regulatory compliance. Supported new branch set-ups through steering committee participation and improved portfolio governance through audit remediation and control testing.
Managed branch P&L across SME lending, home lending, deposits, arrears monitoring, and portfolio quality. Assessed business credit requests including repayment ability, financial capacity, security coverage, and borrower risk indicators while maintaining compliance controls and lending risk standards.
Performed financial statement analysis, cash flow modeling, ratio analysis, and repayment capacity assessment to evaluate SME borrower creditworthiness. Produced credit submissions and memorandums, conducted covenant reviews and risk grading, and monitored an SME credit portfolio exceeding ~AUD 20 million.
Monitored operational risk controls across cluster branches to support internal policy, audit standards, and regulatory requirements. Reviewed process gaps and control breaches, coordinated risk reporting and control testing, and supported timely remediation.
Advised clients on retail banking, lending, and wealth solutions by assessing customer needs, affordability, and product suitability. Supported customer acquisition, relationship management, and cross-selling while maintaining KYC, documentation, and internal control requirements.
Treasury Associate
Sunrise Bank Ltd.
Jan 2009 - Present (17 years 6 months)
Supported treasury operations including liquidity monitoring, transaction processing, and daily market-related reporting. Assisted with foreign exchange, settlement, and reconciliation activities while maintaining accuracy and operational controls.
Education
Degrees, certifications, and relevant coursework
Kathmandu University
Master of Business Administration (MBA), Finance
Completed a Master of Business Administration (MBA) with a finance specialization at Kathmandu University.
Moody's Analytics
Moody’s Credit Skills Assessment, Credit Skills
Completed the Moody’s Credit Skills Assessment to strengthen credit assessment capabilities.
International Monetary Fund
Financial Programming and Policies, Financial Programming and Policies
Completed Fundamentals of Financial Programming and Policies offered by the International Monetary Fund.
Wharton School Online
Fundamentals of Quantitative Modelling, Quantitative Modelling
Completed Fundamentals of Quantitative Modelling through Wharton School Online.
Tech stack
Software and tools used professionally
Availability
Location
AustraliaAuthorized to work in
Job categories
Skills
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