Sonam Tiwari
Sanctioner- Private Bank portfolio | Chartered Accountant
- Role
- Sanctioner- Private Bank Portfolio at Barclays
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Sonam Tiwari
Sanctioner with a demonstrated history of working in the banking industry (Wholesale & …
Experience
Sanctioner- Private Bank Portfolio
Sep 2022 — Present · Mumbai, IN
Provide oversight, advice and challenge as second line of defenceEngage in supporting continued growth of business through managing relationshipsContribute to the ongoing identification and mitigation of Risks through the assessment of external influences and internal changes. Upon occurrence of a risk event, carry out root cause analysis which covers 1) identifying possible control/behaviour failures, b) lessons learnt for future risk assessment and c) documentation of control issues and timelines of resolution.Engage in assessing business proposals and identifying risks and recommending appropriate credit termsTimely and accurate reporting of counterparty exposures for senior management purposesReview sanction proposals generated by the team using delegated discretions.Conducting due diligence/credit analysis of proposals beyond discretions, presenting and recommending larger/complex credit proposals to senior management.Industry/peer/sensitivity analysis which provides the senior risk management detailed information about counterparty’s credit quality.Take individual ownership of transactions from initiation to credit sanction by interacting with relevant stakeholders and undertake complete diligence using exhaustive approach to assess credit metrics and debt servicing ability.Presentation of credit proposals to senior management from Coverage, Product and Risk which help them take timely and informed credit decisions.Responsible for a subset of the Private Bank India Credit portfolio, requiring proactive identification & presentation of risks including evolving industry dynamics and regularly escalating potential limit breaches to Senior Risk Management.Actively review relevant policies, standards and procedures to remain current with existing guidelines Ensuring areas related to reputational risks are raised and addressedHave adequate knowledge of RBI guidelines
Education
St. Teresa's Convent School
Bachelor of Commerce - BCom
Insitute of Chartered Accountants of India
Chartered Accountant
2008 — 2013
Mithibai College
B.Com
2010 — 2013
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