Subathra Natesan
Toronto,ON
Summary
Dynamic and detail-oriented Credit Analyst with ample experience in financial analysis, risk assessment, and credit management within the banking and financial services industry. Experienced in conducting comprehensive credit evaluations, identifying credit risks, and providing actionable recommendations to support lending decisions. Skilled in analyzing financial statements, assessing borrower creditworthiness, and ensuring compliance with regulatory standards. Strong analytical abilities and communication skills to collaborate with cross-functional teams and build strong client relationships. Seeking to leverage expertise in credit analysis and risk management to contribute to the success of a progressive financial institution.
Overview
16
16
years of professional experience
Work History
Team Lead
Tata Consultancy Services
01.2012 - 02.2024
- Worked in Banking projects with TCS for Citibank, UAB Bank, Qatar National Bank
- Evaluate the creditworthiness of loan applicants by analyzing financial statements, credit reports, tax returns, and other relevant financial data
- Assess the level of credit risk associated with potential borrowers and recommend loan terms, interest rates, and collateral requirements
- Conduct industry research and economic analysis to identify market trends, competitive factors, and risk exposures impacting lending decisions
- Prepare detailed credit memos, loan documentation, and risk assessment reports to support credit approval process and ensure compliance with internal policies and regulatory requirements
- Collaborate with relationship managers, underwriters, and senior management to review and approve loan applications promptly and efficiently.
- Monitor ongoing credit performance of borrowers and identify early warning signs of credit deterioration or default risk.
- Develop and implement strategies to mitigate credit risk, minimize loan losses, and optimize the bank's loan portfolio.
- Provide financial advice and guidance to clients on credit-related matters, including debt restructuring, loan refinancing, and risk management solutions.
- Prepared project management-related reports and activities in the PMO system(TCS) for the project leader.
Senior Officer
Royal Bank of Scotland PLC
05.2008 - 07.2011
- Handled Multinational banking operations under Europe, India, Middle-East
- Issuance of LC as per UCP and ISBP
- Ensure adherence and compliance to regulatory requirements while processing transactions both in terms of documentation and rules
- Experienced in preparing SWIFT message types (MT700/707, MT710, MT799, MT740 /747, MT732, MT750, MT752, MT103, MT202)
- Handled all work items under trade finance documentary credits namely Issuance of Documentary credit, advising, remittance, reimbursements.
Education
Master of Business Administration (Systems) -
University of Madras
12.2011
Master of Arts (Economics) -
University of Madras
05.2007
Skills
- Sales
- CMS
- PCM
- PWB
- ENCORE
- PRM
- IWMS
- GBAMS
- Enterprise Analytics
- IGlance
- Credit Cards
- Retail banking
- AR Finance
- Letter of Credit
- Collections and Payments
- UCP, URC, URR, ISBP
- Credit Note
- Budgeting &Corporate Billing
Additional Data
Holding a valid Canadian work permit does not require future sponsorship.
Projects handled in TCS
Citibank N.A, US, Tata Consultancy Services, 01/2018, Engaged in AML and KYC process for Citi cards, Grid member for UAT and sanity testing upon new update/module releases
Timeline
Team Lead
Tata Consultancy Services
01.2012 - 02.2024
Senior Officer
Royal Bank of Scotland PLC
05.2008 - 07.2011
Master of Business Administration (Systems) -
University of Madras
Master of Arts (Economics) -
University of Madras
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