Sheetal Hegde
Auckland,AUK
Summary
A profound banking professional with expertise in financial products, experience in various aspects of banking & financial products that includes product lifecycle, operational management, credit, risk, process & policies, sales & stakeholder management. Results oriented & self-motivated professional with over 12 years of experience in both banking and finance industry.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Senior Credit Analyst - Asset Finance
BNZ Bank
01.2022 - Current
- Analyzed asset finance loans on multiple platforms and utilized BNZ systems to determine loan outcomes while maintaining compliance with bank policies and procedures.
- Developed and nurtured relationships with internal and external stakeholders by introducing, implementing, and providing ongoing training on asset finance products to BNZ accredited brokers, business managers, partners, and associates.
- Continuously mapped and reviewed processes to ensure up-to-date and compliant banking procedures were followed across diverse lending opportunities at multiple business units.
- Created workflow diagrams to illustrate process flows.
- Created ad-hoc reports as requested by various departments within the organization.
- Created presentations for executive-level meetings discussing current portfolio performance metrics.
- Investigated customer remediation issues, identified transaction patterns leading to complaints or problem areas and resolved them through checks, system records, and stakeholder collaboration.
- Provided support to other asset finance specialists and their dedicated support teams, as well as different business units involved in asset finance.
Commercial Lending Manager
Oxford Finance (Turners Automotive Group)
01.2018 - Current
- Managed diverse portfolio of customers for Turners Automotive group
- Utilized strong judgmental credit assessment skills to conduct financial analysis and provide solutions.
- Performed periodic reviews of existing accounts to ensure adherence to contract terms.
- Created monthly reports for senior management summarizing operational performance metrics
- Engaged with loan originators to develop portfolios for commercial loans by conducting credit assessments.
- Delivered Board presentations on complex commercial loan applications, providing insightful risk assessment submissions and securing approvals from the Board of Directors
- Strengthened business relationships by communicating effectively, streamlining reporting processes, and providing valuable insights
- Developed training plans and evaluated individual training requirements for subordinates.
- Developed and implemented strategies to increase customer satisfaction and loyalty.
Business Banking Lending Specialist
ANZ Bank
01.2016 - 01.2018
- Managed Mortgage advisors portfolio, serving as their primary contact for Home & Business lending needs within the National Distribution network.
- Reviewed customer financial information to determine eligibility for loans
- Maintained accurate records of all loan transactions, including payments, balances, and interest rates
- Identified risk areas and reviewed data quality across the portfolio; developed continuous process improvement strategies in collaboration with wider business networks.
- Provided insightful risk reporting to Stakeholders, identifying potential training opportunities for unusual lending scenarios.
- Supported Project management team in implementing QRG's and Reports for Business banking credit policies and processes.
Business Manager (SME & Retail Banking)
BNZ Bank
01.2011 - 01.2016
- Worked as a Credit Analyst for the Business Acquisition Managers (BAM) pilot team, selected by senior credit managers and small business management.
- Assist with credit writing for business acquisition managers (BAM)
- Conducted risk assessments on loan applications to determine creditworthiness of potential borrowers.
- Conducted credit discussions and workshops for new to bank deals and out of the box scenarios with credit managers
- Identified sales opportunities across portfolio to aid BAMs in promoting diverse bank products including Asset finance, Payclip, and FX online.
- Assisted newly appointed business managers in becoming familiar with elend and mylend systems while providing support for lending inquiries.
- Analyzed and evaluated client's financial statements, tax returns, cash flow projections, and other loan application documents.
- Liaised with specialist channels such as the Payclip team, franchise lending, asset lending, and commercial partners team to stay updated on industry trends. Collaborated with BAMs to identify portfolio opportunities for optimal growth.
Education
Master of Business Administration (University of Mumbai)
01.2009
Bachelor of Commerce (University of Mumbai)
01.2003
Skills
- Business Acumen
- Training and mentoring
- Process Improvements
- Working closely with stakeholders at all levels of corporate hierarchy
- Developing & maintaining strong internal & external stakeholder relationships
- Continually monitoring & controlling risk areas
- Open & honest communication at all levels of hierarchy
- Attention to detail
- Portfolio Management
- Reporting and documentation
- Verbal and written communication
- A natural go-to-person, approachable, supportive & experienced
- Fully conversant with proprietary banking systems
- Agile Project Management, Agile Delivery, Project Management Foundations
- Microsoft Office
Certification
- Moody's Commercial Lending Course 2014
- Moody's Commercial Lending Course 2022
- Agile Crash Course: Agile Project Management; Agile Delivery: 2022
Tel
0212459843
References
References available upon request.
Timeline
Senior Credit Analyst - Asset Finance
BNZ Bank
01.2022 - Current
Commercial Lending Manager
Oxford Finance (Turners Automotive Group)
01.2018 - Current
Business Banking Lending Specialist
ANZ Bank
01.2016 - 01.2018
Business Manager (SME & Retail Banking)
BNZ Bank
01.2011 - 01.2016
Master of Business Administration (University of Mumbai)
Bachelor of Commerce (University of Mumbai)
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