Rajeevan Thatchanamoorthy
Dubai,UAE
Summary
Accomplished Credit professional with extensive expertise in market knowledge and analysis, analytical skills, and credit structuring across multiple sectors such as energy, oil and gas, marine, trading, real estate and infrastructure development. Demonstrated proficiency in customer engagement across industries and banking product expertise. Skilled in relationship management with stakeholders, aiming to leverage these competencies to drive strategic growth and enhance stakeholder value.
Overview
13
13
years of post-secondary education
30
30
years of professional experience
Work history
Senior Manager - Credit Underwritting
National Bank of Fujairah
Dubai, UAE
2016.10 - Current
- Joined as an Assistant Relationship Manager, with the primary role of preparing and presentation of Credit Applications for approval on a designated portfolio in the Services & Manufacturing Unit.
- Deal Structuring and presenting Credit Applications for approval across Government and Large Corporate portfolios.
- Reviewed and enhanced borrower credits through annual and interim credit cycles with up to date Risk Ratings.
- Presented detailed risk assessments with approval conditions and covenants to authorities.
- Preparation and submission of Board Notes after clearance by the Central Credit Committee.
- Post Approval Monitoring, Covenant Testing, track account operations, and initiated remedial actions when needed.
- Built strong partnerships with stakeholders for mutual benefit.
Credit Relationship Manager
Mashreq Bank PSC
Dubai, UAE
2013.06 - 2016.08
- Joined as a Credit Relationship Manager, with the Commercial Banking Unit, with a portfolio within a revenue threshold between AED300Mn to AED3,000Mn.
- Identification of risks involved with the sector specific clients and structuring credit lines with suitable risk related pricing and products to suit their business requirements.
- Timely identification of credit and operational risks and monitoring of credit covenants/conditions of borrowers at regular intervals.
- Analysis of key operating risks, industry, and economic factors.
- Critical Analysis of Income Statements, Balance Sheet, Cash flows, Financial Ratios and Financial Projections.
- Obtaining and ensuring all borrowing/security documents are perfected prior to disbursement of approved facilities and perfection of discrepancies.
Corporate Banking Manager
HSBC Bank Middle East Limited
Jebel Ali, UAE
2010.11 - 2012.10
- Preparation of credit proposals with identification of risks involved with Commercial Banking sector clients and structuring credit limits with suitable risk related pricing and products to suit their business requirements.
- Co-coordinating with the Group offices globally to acquire information on globally managed accounts in preparing credit proposals.
- Ensuring all borrowing/security documents are perfected prior to disbursement of approved facilities and perfection of discrepancies if any.
- Following up and maximizing facility utilization, within approved limits thus ensuring optimal use of approved limits.
- Timely identification of credit and operational risks and monitoring of all approved credit covenants/conditions of borrowers for adherence at the given intervals and periodical stock/warehouse inspection.
- Ensuring client adherence to group guidelines on compliance requirements.
Credit Analyst
Union National Bank
Abu Dhabi, UAE
2006.07 - 2010.11
- Preparation of credit proposals with recommendations to the approving authorities with
- Proper identification of risks involved with Commercial Banking sector clients and structuring credit limits with suitable risk related pricing and products to suit their business requirements.
- Analysis of key operating risks i.e. Industry/Management/Economic factors and Financial Statements
- Obtaining and ensuring all borrowing/security documents are perfected prior to disbursement of approved facilities and perfection of discrepancies if any.
- Timely identification of credit and operational risks and monitoring of all approved credit covenants/conditions of borrowers for adherence at the given intervals and periodical stock/warehouse inspection.
- Ensuring client adherence to bank guidelines on compliance requirements.
Credit Officer
MCB Bank
Colombo, Sri Lanka
2000.04 - 2006.06
- Preparation of credit proposals with recommendations to the approving authorities with
- Proper and timely identification of risks involved with all types of business clients and structuring credit limits with suitable risk related pricing and products to suit their business requirements.
- Obtaining and ensuring all borrowing/security documents are perfected prior to disbursement of approved facilities and perfection of discrepancies if any.
- Reviewed and updated credit applications, ensuring accuracy at all times.
Banking assistant
Seylan Bank Limited
Colombo, Sri Lanka
1996.07 - 2000.03
- Commenced my banking career in 1996 with the Area Credit Office managing credit portfolio of a set of branches in the Colombo metropolitan area. Key responsibilities were.
- Key Roles and Responsibilities
- Gathering of key industry and market related information assisting the Area Credit Manager in decision making of credit proposals raised by the branch network
- Monitoring of credit limit, excess and past dues on a daily basis
- MIS reporting to the Senior Management and the Central Bank of Sri Lanka
- Branch audit with regards to compliance on availability of proper documentation for all credit approved clients, following up of timely settlement of temporary/one off transactions approved.
Education
Postgraduate Certificate - Business Administration
University of Leicester
UKMasters - Business Administration
Edinburgh Napier University
ScotlandProfessional Level One -
Association of Chartered Certified Accountants
UKGeneral Certificate of Education - Ordinary level
1982.01 - 1992.01
Advanced level examinations - undefined
1992.01 - 1995.01
Skills
- Market knowledge and analysis
- Analytical skills and credit structuring
- Customer engagement across industries
- Banking product expertise
- Relationship management with stakeholders
Timeline
Senior Manager - Credit Underwritting
National Bank of Fujairah
2016.10 - Current
Credit Relationship Manager
Mashreq Bank PSC
2013.06 - 2016.08
Corporate Banking Manager
HSBC Bank Middle East Limited
2010.11 - 2012.10
Credit Analyst
Union National Bank
2006.07 - 2010.11
Credit Officer
MCB Bank
2000.04 - 2006.06
Banking assistant
Seylan Bank Limited
1996.07 - 2000.03
Advanced level examinations - undefined
1992.01 - 1995.01
General Certificate of Education - Ordinary level
1982.01 - 1992.01
Masters - Business Administration
Edinburgh Napier University
Postgraduate Certificate - Business Administration
University of Leicester
Professional Level One -
Association of Chartered Certified Accountants