Adharash L is a trade finance operations professional with over 6 years of experience in trade finance products like letters of credit, foreign collection advances, and delivery orders. He currently holds the position of Executive, Trade Finance Operations at CITI Bank in Bangalore, where he manages client portfolios and ensures compliance. Prior to this, he completed his PGDMF from IFIM Business School and B.Com from Jain University. He is a skilled communicator and team player with strong analytical abilities.

1. Adharash. L
Contact: +91-9632918238
E-Mail: adharashlokesh@yahoo.com
|Trade Finance Operations|
Result-oriented professional targeting assignments in Trade Finance Operations/Financial
Planning with an organisation of repute in Banking and Finance Industry
Location: Bangalore
ProfileSummary
 A result-oriented professional offering 1. 6 year of career in:
Trade Finance Operation Import/Export Operations Finance Operation
Letter of Credit Client Relationship Management Compliance
 In depth knowledge of all Trade Finance Products including Letters of Credit (L/C), FCA (Foreign Collection
Advance), FCDB (Foreign Collection DirectBuyer), DO(Delivery order)issuance , BC (Buyers credit),Document
scrutiny, Exception resolution
 Maintained excellent relations with existing Trade Finance customers; developed and structured relations
with new customers including assessing new credit requests and presenting them for approval
 Ensured that all client queries are reverted on regular basis, all high value (bulk payments) transaction status
was reported to clients through Mails and phone on daily basis.
 Payment processes of various clients were followed as per their instructions, (for example: clients were
provided options to use CITI Direct platform, CBFT dial-up, IMPS, links to upload documents)
 An effective communicator with relationship building & interpersonal skills; strong analytical, problem-
solving, organizational capabilities and team player
Organizational Experience
Jul’16 – Dec’23 with CITI Bank NA., Bangalore as Executive - Trade Finance Operations
Key Result Areas:
 Directed the products like FCA (Foreign Collection Advance), FCDB (Foreign Collection Direct Buyer), LC
(Letter of Credit) issuance, OTC (Over the Counter) documents release, DO (Delivery Order) issuance, BC
(Buyers Credit), documents scrutiny
 Completing the work in given time frame (pre-cut off & Post cut off, documents checklist preparation and
exception resolutions) and highlighted the errors in the documents submitted by the client and ensured that
payment happens by EOD
 Prioritized the resolution and response to customer complaints and problems within agreeable time-frame as
well as ensured that high levels of customer satisfaction were maintained
 Ensured that all the activities takes place as per CITI Bank LOP
 Work on overseas document release & document arrival notice on a daily Basis, and ensure physical
documents are delivered to client on time, to avoid demurrage charges.
Highlights:
 Managed a client portfolio according to guidelines that reflected the marketing & credit policies as well as
money laundering rules and regulations of the bank
 Regulated import collections including the processing of inward bills, releasing overseas documents via OTC
on acceptance of bills, undertaking documents legalization, issuing delivery orders , processing of FCA & FCDB
payments
 Ensured that any discrepancies in documents presented were referred to the customer/beneficiary/
presented to the bank within cut-off time, and dealt with timely
 Maintained excellent relations with existing Trade Finance customers; developed & structured relations with
new customers including assessing new credit requests and presenting them for approval
AcademicDetails
 PGDMF from IFIM Business School, Bangalore in 2015
 B.Com. from Jain University, Bangalore in 2013
 PUC from Shri Bhagawan Mahaveer Jain College, Bangalore in 2010
 SSLC from St. Joseph Indian High School, Bangalore in 2008

2. Internship
Organization: Janalakshmi Financial Services PvtLtd
Period: 15th Dec’14 - 20th Apr’15
Role: MIS Executive
Project1
ProjectTitle: MIS Management
Description: Maintaining performance report on collectionof deposit & lending and collectionof loan &
interest from customers.
Project 2
ProjectTitle: Issues and Success Factors in MicrofinanceIndustry
Description: The project coversall the details on Micro Finance Industry such as SWOT analysis,
Revenue, Profit Margins.
ExtracurricularActivities
 Represented:
o The Karnataka State Cricket Association at the age group of under-13 for 2 years and under-15 for 2
years
o The Karnataka team to play against Australia & England at the age group of under-15 & under-17 when
team visited India
 Played for different cricket tournaments at the school level (Boost, Parle, BTR, TVS, and Aroghyaswamy Cup)
 Performed for Shri Bhagawan Mahaveer Jain College in PUC and degree
Personal Details
Date of Birth: 31st Dec’1992
Languages Known: English, Kannada, and Hindi
Address No. 192, 2nd cross, Anantha Rammaiah Compound, Chamarajpet MysoreRoad,
Bangalore- 560018