Fernanda R.
Credit and Risk @Lloyds Banking Group
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WORK HISTORY
Credit and Risk @Lloyds Banking Group
Risk Analysis:Ensure compliance with the internal risk appetite for corporate clients and internal policies.Understand and analyse the key risks associated with debt transactions.Conduct thorough financial analysis of potential clients to assess their creditworthiness and ability to repay loans. This includes evaluating financial statements, credit reports, and industry trends.Identify key issues, and implement appropriate deal structures and controls.Write high-quality credit papers and compile comprehensive reports.Present condense summaries of your credit analysis to senior management and other stakeholders for credit approval.Development of credit tools and processesNew Product Development SupportAssist with the planning and delivery of new banking products, working closely with teams across Berlin, Amsterdam and London.Contribute to credit risk related workstreams within the corporate banking program.Collaborate with product managers to extent the product portfolio launching new lending products.Assist in the creation and implementation of credit policies and procedures for new products. Ensure these policies align with the bank\'s overall risk management framework.Document Review:Review Term Sheets, Non-Disclosure Agreements, and Loan Documentation.Raise Credit Policy Exceptions as required when there are deviations in the Loan Documentation to that of internal policies and the Lending Roadmap.Networking:Manage stakeholder relationships within the Corporate team as well as the wider Group.Build strong relationships with 2nd Line of Defence colleagues to ensure a comprehensive approach to risk management.Client Interaction:Engage with clients to gather necessary financial information and understand their borrowing needs.
EDUCATION
Ibmec
Pós Graduação
Fundação Getulio Vargas
Bacharelado
ABOUT FERNANDA R.
Over 20 years of experience in Corporate Banking and Treasury, with a strong track record at institutions such as Lloyds Bank, Santander CIB, Itaú BBA, and C6 Bank (JP Morgan Group) Specialist in Foreing Exchange, Derivatives, Trade Finance, Structured Financial Products and Credit Analysis International experience in Brazil and Germany, working in multicultural environments Holds an MBA in Finance and Control from IBMEC and a Bachelor’s degree in Business Administration from Faculdade Brasileira Holder of the EU Blue Card visa, granted to highly qualified professionals within the European Union. Languages: Portuguese (native), English (advanced) and German (Basic)
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