Zeeshan Surti

About Zeeshan Surti

Chartered Accountant with experience in managing the credit risk. Responsible for managing the lending portfolio of the customer and highlighting risk associated with it. Performing the financial analysis of the customer and monitoring the lending through periodic reviews.

Experience

1. Senior Credit Analyst

   NatWest Group

   Jul 2022 — Present · Mumbai, IN

   Part of the First Line of Defence of Regional Portfolio Management Team at Natwest Group India. Handled a portfolio of clients based out of London, UK Region. Responsible for Credit Appraisal of new lending\'s, credit underwriting and assessing the business of the customer. Evaluating the proposal for lending which includes extensive analysis of financials, cash flow analysis, budgets/forecasts. Regulating the credit risk by completing systematic reviews of the customer. Monitoring of the stipulated conditions and covenants associated with the lending. Completing the credit documentation of the lending and ensuring the complete credit lifecycle from initiation to drawdown. Making security records for the customer and monitoring the security position to safeguard the bank\'s risk.Monitoring of limits/exposure Updating Limit amendments and credit relevant data updates in the credit system. Assigning the PD grade to the customer and also working the LGD of the customer. Handling of the excess tickets on daily basis and ensuring no leakages through the system. Assisting the relationship manager in minimizing the portfolio risk via tracking of repayment capacity of the borrowers and credit standing of the customer.

Education

• Mumbai University Mumbai

  Bachelor of Commerce - BCom

  2017 — 2020

• The Institute of Chartered Accountants of India

  Chartered accountant

  2017 — 2021

• Narsee Monjee College of Commerce and Economics

  Bachelor of Commerce - BCom

  2017 — 2020