SSSWATI SHARMA
@swatisharma2
Experienced Commercial Banking Portfolio Manager with strong credit analysis skills.
IndiaWhat I'm looking for
I am an experienced Credit Analyst with over 9 years in banking and credit underwriting, specializing in mid-corporate and large corporate borrowers in the US and UK markets. My expertise lies in conducting thorough financial statement analysis, risk rating recommendations, and ensuring compliance with bank credit policies. I have a proven track record of managing annual and interim credit reviews, collaborating with cross-functional teams to meet deal timelines, and mentoring junior analysts to enhance their skills.
In my recent role as a Commercial Banking Portfolio Manager at Wells Fargo, I successfully underwrote credit reports for relationships with aggregate exposure of up to $10 million. I analyzed the financial performance of over 150 companies, assessed risk ratings, and collaborated closely with US relationship managers and credit approvers. My previous experience at Barclays and South Indian Bank further solidified my ability to conduct detailed financial analyses and manage credit portfolios effectively.
Experience
Work history, roles, and key accomplishments
Commercial Banking Portfolio Manager
Wells Fargo
Aug 2021 - Present (3 years 10 months)
Underwrote annual and interim credit reports for relationships with aggregate exposure up to $10MM, analyzing financial performance for over 150 mid-corporate and large corporate companies. Assessed and recommended appropriate risk ratings, mentored junior analysts, and collaborated with cross-functional stakeholders to ensure deal timelines were met.
Credit Manager
Barclays Shared Services Pvt. Ltd
Apr 2017 - Jan 2019 (1 year 9 months)
Prepared credit reports for annual reviews, interim reviews, and new lending requests for UK mid-corporate borrowers with total direct exposure up to £10 million. Conducted financial and ratio analysis to assess debt service coverage requirements and monitored a portfolio of corporate clients across various industries.
Assistant Manager
South Indian Bank
May 2012 - Apr 2017 (4 years 11 months)
Managed end-to-end branch operations and prepared credit memos for working capital and overdraft facilities for SME clients. Scrutinized borrower financials, CIBIL records, and bank statements, coordinating with the legal team for compliance and obtaining sanctions from regional offices.
Education
Degrees, certifications, and relevant coursework
CUChrist University
Master of Business Administration, Finance
Completed a Master of Business Administration with a specialization in Finance. Gained in-depth knowledge of financial management, investment analysis, and corporate finance principles.
BMBirla Institute of Technology, Mesra
Bachelor of Business Administration, Business Administration
Obtained a Bachelor of Business Administration degree. Developed foundational business knowledge and skills essential for a career in finance.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Job categories
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