Vivien Roy Cheeran Thomas

• Knowledge of Structured and executed trade products including Letters of Credit, Bank Guarantees, and Import/Export financing.
• Excellent knowledge of systems and its capabilities to cater to tailor made customer requirements for facilities and loans.
• Excellent people and problem solving skills.
• Structured and executed trade products including Letters of Credit, Bank Guarantees, and Import/Export financing.
• Facilitated end-to-end documentary trade transactions for clients across manufacturing, FMCG, and logistics sectors.
• Collaborated with operations and compliance to ensure smooth processing and trade processing.
• Designed receivables and payables financing structures to improve client cash conversion cycles.
• Delivered tailored working capital solutions such as invoice discounting and revolving credit facilities.
• Partnered with treasury teams to align liquidity solutions with clients’ strategic goals.
• Managed a portfolio of SME – BBG customers, maintaining strong, trust-based relationships.
• Conducted regular client reviews, needs assessments, and credit limit reviews.
• Acted as a strategic advisor on trade flows, FX exposure, and funding requirements.
• Conducted credit appraisals and prepared detailed credit proposals for trade and working capital facilities.
• Monitored portfolio risk, ensuring early identification of warning signals and risk deterioration.
• Worked with credit and risk teams to secure internal approvals and mitigate transactional risks.
• Ensured adherence to KYC, AML, and sanctions compliance during onboarding and transaction processing.
• Partnered with product, credit, and operations teams to ensure seamless client service delivery.
• Supported onboarding of complex structures and implemented trade finance solutions.
• Contributed in increasing trade finance utilizations of portfolio.
• Achieved client retention through strategic relationship management and proactive engagement
• Knowledge of Trade Finance Products like Letters of Credit (LCs), Bank Guarantees , Documentary Collections , Export/Import Financing ,
• Knowledge of Working Capital Solutions Receivables Financing, Payables Financing , Invoice Discounting / Factoring , Overdrafts and revolving credit facilities.
• Client Relationship Management skills and regular client engagement to understand business cycles and funding requirements
• Evaluating creditworthiness of clients
• Understanding various industry trade cycles (e.g., manufacturing, agriculture, shipping)
• Collaboration & Internal Coordination by working closely with Credit analysts, Product specialists, Operations teams , Risk & compliance departments

Responsibilities and experience:

Areas of Expertise:

• Knowledge of all Retail Loans, Asset backed Finance, SME, Syndication Administration, Commercial & Corporate Banking facilities.
• Knowledge of Trade and Treasury products.
• Knowledge of Restructuring and Rescheduling for Non performing accounts.
• Collateral Management and Provision processes.
• Cash/Investment backed facilities.
• Excellent knowledge of systems and its capabilities to cater to tailor made customer requirements for facilities and loans.
• Excellent people and problem solving skills.
• Automation of processes.
• Building controls and maintenance of key process checks.
• Offshore process management expert.
• Driving operation projects and enhancing people, process and system enhancements.
• Document controls and monitoring.
• Support in providing information for all products end to end for internal/ external auditors , regulatory reporting or legal queries/requirements.
• Manage day to day operational functions of the department by facilitating work processes to ensure alignment with established policies and procedures in order to achieve high performance standards.
• Co-ordinate, direct and control internal and external resources within the department to ensure achievement of planned performance with high quality, cost efficient service.
• Ensure that all control mechanisms are in place, and all internal/external guidelines are followed as per Operating procedures.
• Dealing with inter-department counterparts and responding to routine or non-routine queries and problems.
• Regular meetings with Heads & Directors of departments for process optimization and solutioning.
• Participating and driving in the development of departmental processes and procedures and manage their implementation to ensure all relevant procedural requirements are fulfilled.
• Responsible for challenging and questioning processes and implementing improvements to develop cost efficient ways of working by looking into system enhancement and operating procedures.
• Manage the development of MIS for the department/business unit and ensure accuracy in the preparation of reports and maintain timelines to support submission as per compliance with policies and acceptable bank regulations.
• Ensuring the team delivers full support to both internal and external customers and taking steps to address areas for improvement so as to achieve agreed levels of service quality standards.
• Involved in staff training, counselling, deployment and motivation to meet current and future needs of the business, for all direct reporting staff
• Managing appraisals, recruitment of the team, monitoring productivity and focusing on learning and development of all members.
• Involvement with Internal and external audit and supporting queries to close any report of findings.
• Playing an important part in initiation and completion in various internal projects and activities.
• Carrying out all credit operations tasks and ensuring all activities are completed within the timescales and with a high degree of accuracy.
• Ensuring periodic control checks and highlighting discrepancies.
• Have daily/weekly meetings with staff onshore and offshore managing day to day BAU.

• Documentation and processing of all retail loans.
• Coordination between Credit Initiation Unit and Sales Department.
• Disbursal of funds to customers within the total time allotted.
• Filing and storage of documents pre & post disbursal.
• Maintenance of daily and monthly reports regularly.
• Handling customer and sales queries related to the Retail Credit Administration Department.
• Reporting and maintenance of day to day activities.
• Knowledge of all products with regard to retail lending.(Auto loan, Smart loan, Murabaha Auto loans, Educational loans, Rental loans, Business loans , Heavy Vehicle Loans, Islamic Business loans , Islamic Heavy Vehicle Loans ,Fixed deposits & Mortgages. )
• Consultancy and advice for procedures in documentation.
• On the job training for fresh employees with regard to policies and procedures involved in CAD operations.
• Developer notification and tranche payments on a daily basis.
• Conducting transfers and registrations at the Land department.
• Building rapport with developer and customers by representing the bank as a whole.
• Working as a team in achieving group objectives.
• Enhanced office efficiency by managing daily administrative tasks.
• Managed resource allocation to ensure smooth running of operations.
• Handled confidential documents with discretion and integrity.