Roma Negandhi
Dubai
Summary
With over 23 years of extensive experience in the banking sector, I specialize in documentation and limit control functionalities for corporate lending products, credit operations, and trade finance. My career has been dedicated to ensuring meticulous attention to detail and compliance in these critical areas. I currently hold the role of Manager of Corporate Documentation/Assistant Vice President of the Credit Administration Division at Mashreq Bank. In these capacities, I manage the control function of a substantial portfolio valued at approximately USD 15.0 billion, ensuring robust oversight and strategic management. I am recognized for my strong collaboration skills, which enable me to work effectively with diverse teams and stakeholders. My exceptional communication, management, and interpersonal abilities have been pivotal in navigating and thriving in dynamic business environments. I have a proven track record of achieving targets under pressure, demonstrating resilience and adaptability. My excellent logical reasoning and problem-solving skills have consistently contributed to my ability to address complex challenges and deliver innovative solutions.
Overview
21
21
years of professional experience
Work History
Assistant Vice-President, Manager - Credit Documentation
Mashreq Bank PSC
09.2018 - Current
- Managing and supervising a team of eight officers, handling Trade and Service & Manufacturing divisions include corporate conglomerates in Textile, NBFCs, Steel and Infrastructure sector companies viz., Road, Power, Telecom and SEZ
- Ensure necessary documentation aligns with credit approvals and is communicated to business segments by the team
- Review documentation under guidelines before allowing facilities
- Validate and update approved limits in core systems for client use
- Conduct annual reviews of physical documentation and limits
- Highlight deviations in credit and commercial terms for correction or additional approvals
- Adhere to process reengineering and automation initiatives
- Collaborate with relationship managers, the Legal Department, and internal stakeholders to ensure compliance with the Bank’s approvals, credit policies, and regulatory requirements
- Regularly provide policy input and develop the Credit Administration process
- Review and update standard operating procedures of credit administration timely manner
- Ensure RCSA is up to date and testing is completed
- Monitor department activities and escalate issues to the Head of the Department
- Manage and monitor team MBOs and KPIs to achieve departmental objectives
- Oversee daily transactions to minimize operational risks and losses
- Maintain regulatory registration of movable and immovable collaterals, visiting government/regulatory authorities as needed
- Maintain an audit rating of “Satisfactory,” implement recommendations, and address deficiencies highlighted by auditors
- Manage physical facility/security documents under safe custody
- Submit regulatory data and MIS reports on time and as per agreed frequencies.
Senior Officer, Credit Documentation
Mashreq Bank PSC
07.2006 - 08.2018
- Process facilities for corporate clients, including Letters of Credit, Loans against Trust Receipts, Letters of Guarantee, Term Loans, Commercial Loans, and Overdrafts
- Handle assignment confirmation of investments and collateral maintenance in CBRB
- Ensure control mechanisms are met with due diligence, and periodical returns are prepared, verified, and dispatched within the agreed turnaround time
- Identify and recommend process flow improvements to enhance service levels
- Escalate irregularities upon receipt of executed documents from customers
- Review Facility Offer Letters and collateral documents with the Legal department
- Review security documents for pledges, mortgages, assignments, hypothecations, and guarantees
- Register movable collaterals and property mortgages on the regulatory portal
- Monitor the mortgage process and liaise with Relationship Managers and customers
- Maintain custody and control of source documents, executed facility and security documents, and ensure proper updating and archiving in the EDMS
- Finalize SOPs and SLAs on behalf of the CAD Documentation Unit.
Administration Officer (Trade Finance Division)
Mashreq Bank PSC
11.2003 - 07.2006
- Reporting to the Unit Manager of one of the Teams (consisting of Senior Relationship Managers, Relationship Managers, and Relationship Officers etc.) of Trade Finance Department
- Assisting the Manager in completing Credit Proposals
- Compiling Reports – Limits Utilization of Customers on a daily, weekly & quarterly basis, Business Report (Monthly).
Education
High School Diploma -
• The Indian High School
Dubai, United Arab EmiratesBBA - • Bachelor of Commerce
R.D National College of Arts And Commerce
Mumbai04.1997
Skills
- Extensive experience in managing the preparation of facility and collateral agreements for corporate documentation based on credit approvals, ensuring all documents related to borrowing facilities are completed before granting access to clients
- In-depth knowledge of both conventional and Islamic lending products
- Expertise in redesigning, developing, and implementing processes, procedures, and internal controls related to credit administration to enhance efficiency and practicality
- Skilled in visualizing and incorporating Artificial Intelligence to improve workstreams
- Proficiency in Microsoft Office Suite, including Word, Excel, and PowerPoint
- Expertise in banking software, including ELCM, Banksys, Bank Trade, Lotus Notes, PREM, and FlexCube
- Leadership
- Adaptability & Agility
- Strategic Planning
- Decision Making
- Analytical Thinking
- Problem Solving
- Stakeholder Collaboration
- Client Relations
- People Management, Coaching & Mentoring
- Teamwork
- Performance Management
- Time Management
Accomplishments
- 2022, 2017, 2015 & 2012 – CEO Club Proud Member.
- 2013 & 2009 - Mashreq Excellence Silver Star Award.
- 2008 - High Impact Customer Service Champion.
Careerenhancements
- 09/2018, Promoted to the rank of Asst Vice President, Credit Documentation.
- 10/2014, Promoted to the rank of Senior Officer, Credit Documentation.
- 02/2012, Promoted to the rank of Officer, Credit Documentation.
- 07/2006, Joined Initially as an Assistant, Credit Documentation.
Academicqualification
Bachelor of Commerce with Majors in Financial Accounting & Auditing from R.D National College of Arts and Commerce, Mumbai. April 1997. Higher Secondary School Examination (XII), Indian High School, Dubai, UAE.
Languageskills
- English
- Hindi
- Gujarati
- Sindhi
Classification
Confidential
Personal Information
- Date of Birth: 09/02/81
- Nationality: Indian
- Marital Status: Married
Timeline
Assistant Vice-President, Manager - Credit Documentation
Mashreq Bank PSC
09.2018 - Current
Senior Officer, Credit Documentation
Mashreq Bank PSC
07.2006 - 08.2018
Administration Officer (Trade Finance Division)
Mashreq Bank PSC
11.2003 - 07.2006
High School Diploma -
• The Indian High School
BBA - • Bachelor of Commerce
R.D National College of Arts And Commerce
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