Subramanian Krishnan
Credit Risk Manager @Bank Of Baroda Uk
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WORK HISTORY
Credit Risk Manager @Bank Of Baroda Uk
London, GB
Key Responsibilities- Analyse and challenge credit appraisal notes submitted by 1LoD pertaining to Syndicated Loans, Buy-to-let deals, CRE transactions and lending to Financial Institutions - Provide written recommendations along with findings to relevant credit committee for approval- Periodic review and monitoring of Credit Portfolio and appraising credit committees on major credit risk parameters such as accounts pending for review, breaches in financial covenants, stressed and restructured accounts, watchlist accounts etc- Liaison with external auditors as part of PRA requirement for skilled person reporting under section 166 of FSMA, Vetting various risk policies such as Credit Policy, Risk Management Framework, Terms of Reference for committees, ASL limits etc - Engage with teams to devise policies for the bank pertaining to Climate Change initiatives managing PRA requirements as well as RBI guidelines.
EDUCATION
The Institute of Chartered Accountants of India
Chartered Accountant, Accountancy and Taxation
University of Mumbai
Masters in Commerce, Economics, Corporate Finance, Cost Accounting.
Global Association of Risk Professionals (GARP)
Financial Risk Management, Risk Management
ABOUT SUBRAMANIAN KRISHNAN
I am a Chartered Accountant and Financial Risk Manager (FRM) with a 10+ years of work experience in Banking / Financial Services across Credit Appraisal, Credit Risk Management, Debt Syndication, Portfolio Monitoring, Restructuring and Refinancing roles. My experience spreads across various transaction types such as Project Finance, Trade Finance, Structured Lending etc. I have experience in various industry segments such as Industrials, Automotives, Infrastructure, Energy, Retail, Real Estate etc. In my last role with HDFC Bank, I was managing the regional credit book for an entire state in India. I am a highly motivated finance professional and a team player with robust experience of independently managing the loan portfolio India’s largest bank, carefully balancing growth and credit risk management objectives. Key skills: Credit Analysis, Due diligence, Restructuring, Financial Modelling, Project finance, Leveraged Finance, Structured Trade Finance, Portfolio Management, Negotiations, Financial Analysis, Team management. Key achievements: • Achieved 30% compounded annual growth in portfolio on a consistent basis • Escalated risks, ensured precautionary actions to mitigate stress of £ 5 million equivalent to bank. • Delegated lending authority of £ 3.5 million • Awarded as Key Performer for Bank on account of Nil Non-Performing Assets (NPAs) and managing critical problem accounts in challenging macro-economic environment against COVID-19 backdrop
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