Sumit Sharma
MONTREAL,Quebec
Summary
- Qualified MBA-Finance with strong experience in Credit Risk, Financial reporting, Middle-office Reporting, Project Management, Task Scheduling, Corporate and Investment Banking, Risk Rating Analysis, Financial Modelling, Mergers & Acquisitions, Internal and External Audit management.
- Currently working with Societe Generale as a Risk Officer on a full time position.
- Technical Expertise: PMP (Pursuing), SQL, Power BI, MS Office, Loan IQ, Bloomberg, Reuters, Capital IQ.
- Hands on experience of Banking Products like, RCF, Term Loans, Trading & Derivatives Limit, Working capital finance, Trade Finance (LC/Bank Guarantees).
Overview
12
12
years of professional experience
Work History
Financial Analyst
Societe Generale
Montreal, QC
05.2021 - Current
- Identifying issues in Finance process through testing and ensuring that credit Process remain streamline.
- Lead process improvement, new application development projects, for Credit Risk Team, which involves close coordination to understand Group needs, issues and translate them into business requirement.
- Conduct regular meetings with stakeholders to communicate objectives, expectations, status updates, track open issues, and work with all groups and clients to resolve issues as required.
- Weekly catchup with Product development teams to guide them on new development needed, and work as a liaison between product and credit teams.
- Regular catchup with Project Sponsor team to advise them on the ongoing development on the various project tasks.
- Mange the existing portfolio and train junior staff in terms of testing of downstream processes to identify the automation opportunities.
- Identify the major project challenges, and document the project progress on regular basis to ensure proper testing and comparison with project budgets and KPIs.
- Management of relationships with Senior leaders within Credit Risk and the Business.
- Create PowerBI dashboards for the risk and business reporting, which includes budget allocation at different stages of project completion.
UNDERWRITER (COMMERCIAL LOANS)
Thinking Capital
Montreal
04.2021 - 05.2021
- Strong interaction with the Risk department, Coverage and Product teams including coordinating the credit process amongst the various Product and Risk Teams to ensure an efficient turnaround of transactions.
- Process Business loan financing applications by performing due diligence, financial appraisal.
- Verify and analyse credit data, financials and bank statements to determine the degree of risk involved.
- Analyse other reports and documents (including tax forms, site visit reports, ownership registry confirmations, property ownership confirmations, and business lien records) to ensure the application packages are completed for each client.
CREDIT MANAGER (LARGE CORPORATES/MNC)
Barclays Global Services Pvt Ltd
07.2017 - 03.2020
- Manage and monitor the credit quality of assigned portfolio of global corporate clients (US, Europe) including periodic review of borrower financial statements, covenant compliance reports, press releases and news articles, rating agency and equity analyst reports, industry trends, etc
- Prepare periodic financial statements, financial papers and operating reports as required by the Supervisor Financial Reporting and Analysis and Manager, Financial Reporting for presentation to Senior Management.
- Strong interaction with the Risk department, Coverage and Product teams including coordinating the credit process amongst the various Product and Risk Teams to ensure an efficient turnaround of transactions
CREDIT MANAGER (SMALL & MEDIUM ENTERPRISE)
Development Credit Bank (DCB Bank)
05.2016 - 07.2017
- Credit underwriting, Credit appraisal, Credit monitoring and delivering independent credit decisions in voluminous environment within tight schedules for business/commercial customers.
- Approves mortgage loans by examining application and supporting documentation; estimating credit-worthiness; calculating repayment risk .
- Credit assessment of loan applications thorough study of financial statements, business plan and business models.
ASSISTANT MANAGER (CREDIT)
The Catholic Syrian Bank
10.2012 - 04.2016
- Handling credit appraisals, sanctioning credit for customers and assigning credit limits within defined parameters of the overall credit policy.
- Providing risk rating for the companies and releasing the same along with rating rationale.
- Compete mortgage loans by monitoring collection, verification, and preparation of mortgage loan documentation; scheduling and completing mortgage loan closing.
- Balance sheet / other financial statement analysis and identification of risk factors, Client and site/factory visit to gain deep understanding of client and business model, timely processing of the proposals as per TAT to ensure better time to market.
Education
MBA - Financial Management
Galgotias Institute of Management & Technology
Noida06-2010
IT Proficiency
Project Management Professional (Pursuing), SQL, Power BI, Microsoft Office, Microsoft Access, Bloomberg, Reuters, Capital IQ, Loan IQ
Extracurricular Activities
Reading, Travelling, Painting.
Training
- Corporate Credit Analysis' certificate from Udemy
- Financial Modelling': Build a complete DCF valuation model' from Udemy
- JAIIB & CAIIB Certification from Indian Institute of Banking & Finance
Languages
English
Full Professional
French
Elementary
Timeline
Financial Analyst
Societe Generale
05.2021 - Current
UNDERWRITER (COMMERCIAL LOANS)
Thinking Capital
04.2021 - 05.2021
CREDIT MANAGER (LARGE CORPORATES/MNC)
Barclays Global Services Pvt Ltd
07.2017 - 03.2020
CREDIT MANAGER (SMALL & MEDIUM ENTERPRISE)
Development Credit Bank (DCB Bank)
05.2016 - 07.2017
ASSISTANT MANAGER (CREDIT)
The Catholic Syrian Bank
10.2012 - 04.2016
MBA - Financial Management
Galgotias Institute of Management & Technology
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