Sammi Bhartia
Currently In Australia (relocate To Dubai In July 2024),Australia
Summary
I am an MBA qualified finance professional with a background in commercial lending and banking working for major banks in Australia and the UK. I have the demonstrated ability to manage lending applications from inception to completion, conduct detailed credit analysis and due diligence to make prudent and risk adverse commercial lending decisions. With an aptitude for numeracy, a data-driven and detail focused approach; I excel working in fast-paced environments with high levels of complexity. I have first class communication and relationship management skills with a solutions and goal focused approach to achieve win/win outcomes. Within my current role I work across a broad portfolio of lending products and company structures for corporate lending to $50m and above in value. As a result of my success, I handle the more complex applications and provide support and guidance to the team whilst prioritising and allocating work. I have detailed knowledge of all regulatory, compliance and internal policy requirements and continually drive best practise in all my activities.
Overview
15
15
years of professional experience
Work History
Associate, Corporate and Institutional Banking
NAB Bank
Melbourne, Australia
05.2022 - Current
- I actively assist in managing Corporate & Intuitional Customer by providing end to end support and credit capabilities across all aspects of portfolio management, credit transactions and the client relationship
- A key role in driving for superior client outcomes and delivering world class client relationships
- Proactively managing risk; maintaining an ongoing awareness of NAB’s credit policy, credit and market risk and internal risk appetite
- Involvement in new-to-bank opportunities including onboarding, initial transaction advice processes, and execution
- Portfolio management including credit submissions, annual reviews and documentation
- On-going servicing of clients including ensuring financial and reporting covenants are met
- Conducting research and analysis to develop industry/sector expertise and knowledge
- Ensuring system data and information integrity is maintained within the portfolio including managing workflow and assigning work within team
- Monitoring all facility documentation terms and conditions, including covenants and AML/KYC, and manage the legal documentation process
- Liaising with internal and external stakeholders to support business outcomes while managing portfolio risks
- Undertaking financial and credit risk analysis for the preparation of new credit submissions and annual reviews of existing transactions
- Continuously seek to optimise the return on capital deployed and resources invested by the business
- Training and coaching new and existing team member for new and existing systems and process.
Credit Analyst, Credit Restructuring (All Westpac Brands)
Westpac Group
Melbourne, Australia
06.2020 - 04.2022
- I actively assist in managing "watch-list" exposures customer by minimise any potential credit related losses and maximise returns through managing and building the customer relationship
- Better outcomes for the customer and bank are achieved when Credit Restructuring is brought into developing stage
- Assist customer in voluntary restructurings and workouts rather than formal insolvency proceedings
- Work for all customers of Westpac Institutional Bank’s (WIB) and Westpac Commercial & Business Bank’s (C&BB) sub-standard and impaired assets
- This also include all Westpac Brands
- Assisting and meeting borrowers experiencing financial difficulty or whose facilities have become delinquent
- Analysis financial and loan structuring of trust borrowers with the necessary information to write good quality credit submissions
- The work-out and credit areas of other financial institutions (in syndicated transactions)
- We work closely with Credit officers, relationship managers and industry analysts, external accounting, legal and other industry specific professionals
- Work with Specialist industry bodies such as APRA, the Australian Bankers' Association, the Insolvency Practitioners' Association of Australia and INSOL International on legal and credit related issues along with the Australian Financial Complaints Authority (AFCA) from time to time
- Westpac risk personnel and systems to ensure account management, MIS and the risk profile of the Borrower is current and accurate at all times
- The preparation of reports to the Head of Credit Restructuring, Group CCO, CRO, Divisional CROs, and the Board Risk Management Committee
- Liaising with external advisors such as insolvency firms and lawyers, to develop and recommend credit risk management strategies for each Borrower in the portfolio, based on an ongoing credit analysis of the Borrower and legal review of Westpac's documentation and security.
Associate Business Banking Manger
Westpac
Melbourne, Australia
01.2020 - 06.2020
- I am responsible for relationship manage a team-based portfolio of small to medium enterprise (SME) clients
- By developing strong, lasting relationships with our business customers and act as a trusted advisor
- Developing and maintain a portfolio of business banking customers and drive revenue from their portfolio whilst also growing customer base through referral partners
- Educating customers about their business options and providing sound advice about risk and opportunities for growth
- Proactively calling on networks of contacts to help identify new business and enhance customer satisfaction of the client managed accounts
- Work with dedicated specialists to drive increase in cross holdings like equipment finance, Merchant facility, transactional, payments, FX, identify cash-flow, investment etc
- Analysis financial and loan structuring of trust borrowers with the necessary information to write good quality credit submissions
- Possess strong organisation & time management skills to ensure to meet deadlines
- Ensuring business practice compliance adhering to responsible lending around NCCP, the Banking Code of Practice, Privacy and the Corporations Act.
SME for Commercial Settlement: Commercial Lending
Westpac
Melbourne, Australia
03.2017 - 01.2020
- I am responsible for settlement of commercial lending products like Business loans, Superfund loans, credit cards, and overdrafts
- Assisting in preparing daily and monthly report for team
- Driving customer outcomes in line with key data points (quality & productivity) and cycle time targets whilst ensuring full compliance with APRA and ASIC regulations
- Achieving an individual and team KPI relating to both efficiency and quality standards on a daily basis
- Training and coaching new and existing team member for new and existing systems like TLW, PEXA, HOST etc
- Processing of post settlement tasks including system updates, banking, and client contact
- Prepare loan and supporting documentation for purchase, refinance and sale settlements.
Business Support Officer: Commercial Lending
Westpac
Sydney, Australia
12.2014 - 02.2017
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- I am responsible for the analysis and assessment of large and complex commercial lending applications across a range of products up-to $10m in value including: Business loans, Superfund loans, credit cards, overdrafts, property management, portfolio management, asset management
- Verifying the offered or held securities and performing credit checks on customers to prepare Lending Value Ratio reports to approve or decline applications
- Planning and prioritising departmental workload, allocating work to team members to meet KPIs and supporting the team to meet departmental targets
- Verifying and preparing accurate commercial lending documentation/agreements and all related securities documentation
- Driving customer outcomes in line with key data points (quality & productivity) and cycle time targets whilst ensuring full compliance with APRA and ASIC regulations
- Liaising and building relationship with external parties, solicitors, customer and stakeholders
- Facilitating and processing settlement end to end.
Business Personal Banker: Lending
Bankwest
Sydney, Australia
02.2014 - 11.2014
NAB’s
- Initially I started as a Retail Banker, and then progressed to selling a range of lending products within branch
- Products included: Business loans, personal loans, home loans, portfolio loans, overdrafts and credit cards
- Working with small businesses and private customers to assess their personal requirements and situation to promote and cross-sell lending and banking products to increase product penetration and meet targets and KPIs
- Collecting and analysing supporting documentation to process lending applications
- Risk assessment and management to ensure all activities conducted meeting internal and regulatory compliance and best practise standards
- General banking including opening business and individual accounts, processing international and local money transfers, processing deposits and general transactions
- Preparing daily reporting and reconciliation.
Customer Services Officer
American Express
Sydney, Australia
04.2013 - 12.2013
Westpac's
- After returning to Australia from London, took a temporary role in wholesale currency department of AMEX
- This was a very fast paced role that required high attention to accuracy
- Accurately entering data, processing and reconciling requests for foreign currency Travellers Cheques for local and international clients
- Preparing foreign currency orders for national and international dispatch.
Credit Analyst
Punjab National Bank International Ltd
London, United Kingdom
05.2011 - 07.2012
- In this role with the second largest Indian Bank, I started as a retail banker then quickly progressed to a commercial lending role
- I was responsible for the analysis and assessment of commercial lending applications to make well-judged and risk adverse lending decisions
- Credit Analyst and Delegated Lending Authority working across a range of products including: commercial loans, overdrafts, credit cards, insurance loans, asset management, and portfolio management to $2m in value
- Working directly with customers to request compliance documentation and conduct risk assessment and detailed financial analysis of: valuation reports, financial reports, securities, and guarantees and associated documentation etc
- To approve or decline applications
- Preparation of accurate commercial lending documentation and agreements
- Responding to customer enquiries regarding lending applications and products, providing first class service at all times
- Leading and directing third party stakeholders and the team to support commercial lending with valuation reports and other documentation
- Opening bank accounts and performing general account transactions
- Processing national and international transfers using BACS, CHAPS, Faster Payment and Swift
- Operating in accordance with KYC and FSA legislation and reporting suspicious transactions in accordance with Anti Money Laundering (AML).
Managing Director
Safdarjung Vaults Pvt. Ltd.
New Delhi, India
02.2010 - 01.2011
- This is a family business that provides high security private lockers and vaults for rent to store valuables, I was responsible for leading a team of five and daily operations
- Review of current business operations to identify reasons for under performance and development of marketing strategies relevant to a security business to grow sales
- Leadership of daily operations and staff to ensure smooth business operations
- Business administration and accounting, accounts payable, accounts receivable, reconciliation, payroll and tax returns.
Accounts Assistant
Eastern Synthetic Pvt. Ltd.
Kolkata, India
01.2009 - 12.2009
- This is a family-owned Charted Accountants with 30 employees
- I gained hands on experience of the Indian taxation system
- Meeting with potential clients to understand their business and assess their accounting requirements and promote Eastern Synthetics business to secure new work
- Negotiate fees and terms and conditions
- Handling day to day Accounts of the Company including preparing ledger entries
- General office administration duties including arranging meetings, preparing agendas, processing bills and invoices.
Education
Master’s in international business - International Business and Finance
University of South Australia
01.2008
Bachelor of Business Administration - Business Administration and Finance
West Bengal University of Technology
01.2006
Certificate IV - Credit Management -
FSRA Tier 2 Accreditation
Westpac Youth Network -
Westpac Youth Network -
Skills
- Commercial Credit Analysis
- Financial Analysis
- Risk Assessment
- Loan Ratio Analysis
- Credit Policy and Procedures
- APRA / ASIC Regulations
- KYC / AML Regulations
- Delegated Lending Authority
- Reporting
- Retail Banking
- Accounting
- Stakeholder Management
- Customer Services
- Team Leadership
- Resource Planning
- IT Skills
- Core Banking
- Finanz Tools
- Direct Banking
- SAP ERP
- MYOB
- Swift / RTGS
- SQL
- Excel
- Microsoft Office
Personal Information
- Nationality: Australian
- Visa Status: Self-Sponsored Work Visa
References
References available upon request.
Timeline
Associate, Corporate and Institutional Banking
NAB Bank
05.2022 - Current
Credit Analyst, Credit Restructuring (All Westpac Brands)
Westpac Group
06.2020 - 04.2022
Associate Business Banking Manger
Westpac
01.2020 - 06.2020
SME for Commercial Settlement: Commercial Lending
Westpac
03.2017 - 01.2020
Business Support Officer: Commercial Lending
Westpac
12.2014 - 02.2017
Business Personal Banker: Lending
Bankwest
02.2014 - 11.2014
Customer Services Officer
American Express
04.2013 - 12.2013
Credit Analyst
Punjab National Bank International Ltd
05.2011 - 07.2012
Managing Director
Safdarjung Vaults Pvt. Ltd.
02.2010 - 01.2011
Accounts Assistant
Eastern Synthetic Pvt. Ltd.
01.2009 - 12.2009
Master’s in international business - International Business and Finance
University of South Australia
Bachelor of Business Administration - Business Administration and Finance
West Bengal University of Technology
Certificate IV - Credit Management -
FSRA Tier 2 Accreditation
Westpac Youth Network -
Westpac Youth Network -
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