Trish Ann Dsouza
Dubai,UAE
Summary
Accomplished professional with expertise in financial statements and credit validations, demonstrating strong team leadership and collaboration skills. Proven ability to cultivate business relationships, enhancing organisational success. Committed to leveraging financial acumen and interpersonal skills to drive strategic growth and operational excellence.
Overview
24
24
years of professional experience
6
6
years of post-secondary education
Work History
Team Leader - Credit Support
Finance House
Dubai, UAE
03.2019 - 02.2025
- Conduct credit underwriting, financial appraisal, and risk assessment, recommending optimal credit structures.
- Identify and mitigate portfolio risks, ensuring proactive risk management strategies.
- Oversee credit applications (renewals & NTB), structuring debt and WC facilities with appropriate securities.
- Stay updated on market trends and economic factors impacting credit decisions.
- Ensure compliance with credit risk policies, regulatory requirements, and Central Bank reporting.
- Optimize processes to minimize rework on credit applications while maintaining efficiency.
- Monitor portfolio health, addressing outdated financials, ratings, and overdue covenants.
- Drive business development and client relationship management, structuring tailored credit solutions.
- Conduct regular credit reviews, implementing early warning signals to mitigate risk.
- Successfully managed the strategic exit of two underperforming accounts.
- Support RMs in structuring NTB credit facilities with secured transactions.
- Mentor and train Credit Support Analysts on credit risk assessment and processes.
Chief Financial Officer
Ideal Design and Display materials LLC.
Dubai
02.2014 - 02.2019
- Oversaw deployment of strategic business plans to accomplish accounting, compliance and revenue targets
- Completed in-depth analyses of risks to control company profile, enhance systems and track legal concerns
- Devised strategies for enhancing business assets and reporting on financial metrics
- Developed strategic financial plans to drive company growth.
Relationship Manager
Barclays Bank
Dubai
04.2008 - 01.2014
- Developed and executed corporate lending strategies, achieving a 10% growth in the loan book by leveraging credit risk frameworks, syndicated lending, and structured finance solutions.
- Managed a diversified large corporate portfolio across Real Estate, IT Services, Manufacturing, and Hospitality, utilizing structured trade finance, syndicated loans, and capital market solutions.
- Oversaw a portfolio of existing and new-to-bank (NTB) clients with a total exposure of approximately AED 1 billion, driving strategic growth and relationship management.
- Structured and negotiated complex credit facilities, ensuring alignment with client needs while mitigating risks and optimizing returns.
- Developed and maintained strong client relationships, acting as a strategic advisor to senior executives and facilitating cross-sell opportunities across banking products.
- Led due diligence and credit risk assessments, ensuring compliance with regulatory requirements and internal credit policies.
- Collaborated with product, risk, and operations teams to structure bespoke financial solutions, enhancing customer experience and business profitability.
Account Relationship Officer
National Bank of Dubai
Dubai
01.2006 - 04.2008
- Assisted the Relationship Manager in handling the portfolio and focal point of contact for administration related customer queries
- Perform comprehensive credit evaluation
- Managing the end to end process for new to bank customers i.e
- Account opening, credit facility documents, on-boarding
- Used critical thinking to break down problems, evaluate solutions and make decisions
Team Member
Emirates Bank
Dubai
09.2004 - 01.2006
- Assisting in building and growing the portfolio which including meeting NTB clients
- Preparing the monthly P&L account for the unit and monitoring growth in the unit
Credit Analyst
Banquet Banorabe
Dubai
07.2001 - 09.2004
- Assisting the Section Head - Credit in preparation of quarterly reports for Central Bank viz Major borrowers, large exposure, addition & deletion for Risk Bureau & Head Office reports
- Responsible for ensuring those loans with their assigned accounts are properly served, Client's financial status is reviewed on a timely basis and collateral is appropriately analyzed and verified
Education
MBA - Business And Finance
Mahe Manipal
04.2007 - 04.2009
Bachelor's Degree - Business And Finance
Champlain College
09.2001 - 09.2005
Skills
- Team leadership
- Collaboration
- Financial statements expertise
- Credit validations
- Business relationship cultivation
References
References available upon request.
Timeline
Team Leader - Credit Support
Finance House
03.2019 - 02.2025
Chief Financial Officer
Ideal Design and Display materials LLC.
02.2014 - 02.2019
Relationship Manager
Barclays Bank
04.2008 - 01.2014
MBA - Business And Finance
Mahe Manipal
04.2007 - 04.2009
Account Relationship Officer
National Bank of Dubai
01.2006 - 04.2008
Team Member
Emirates Bank
09.2004 - 01.2006
Bachelor's Degree - Business And Finance
Champlain College
09.2001 - 09.2005
Credit Analyst
Banquet Banorabe
07.2001 - 09.2004
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