The document is a resume for a Credit Analyst & Bank Operations Professional based in the United Arab Emirates seeking a senior role in finance, accounting, or risk management. She has over 6 years of experience in credit management, SME operations, risk management, and retail banking at Bank of Baroda in Bangalore, India, where she handled credit appraisal, documentation, disbursement, NPA management, and ensured regulatory compliance. She holds an MBA in Finance and has a track record of successfully managing credit proposals over $150 million.

1. CREDIT ANALYST & BANK OPERATIONS PROFESSIONAL
B.COM, MBA in Finance offering over 6 years of rich experience in Banking domain; core strengths include:
≈ CreditManagement ≈ SME Operations ≈ RISK Management ≈ Retail Banking
Targeting senior level assignments in Finance / Accounting / Risk Management with an organization of repute, located
preferably in the United Arab Emirates
PROFILE SUMMARY
 A result oriented professional with more than 6 years of experience in handling
customer centric bank credit operations by achieving delivery as well as service quality
norms.
 Overall in charge of CREDIT FUNCTION at Bank of Baroda and exposure in
RETAIL/SME/LARGE CORPORATEsection.
 Proficient in conducting risk analysis and scrutinizing relevant documents before
sanctioning / disbursing Fund based and Non fund based credits while ensuring
compliance withorganisational creditpolicies.
 Resourceful in implementing result-oriented recovery plans to manage delinquency
withinpre-setnormsforachievingorganizationalobjectivesandensuringprofitability.
 Exceptionally well organized with a track record that demonstrates self-motivation, creativity, andinitiative to achieve
bothpersonal & company’sSLAs& workprocesses.
WORK EXPERIENCE
Since July’10: Bank of Baroda, Bangalore
Joined as Credit Specialist Officer
July’10 – Dec ’15 - CreditSpecialistOfficer:
 Handling activities regarding risk appraisal in order to assess borrower’s financial credibility; investigating as well as
analysingcredithistoryof borrower/borrowers;assessingincome detailsprovidedbythe borrower.
 Collecting additional information for KYC compliance and analysing asset liability position of the borrower inindividual
capacity;conductinga thoroughstudyof the financialsbeingauditedandprojected.
 Analysing discrepancies as well as seeking affirmative and satisfactory clarification; devising Ratio Analysis in
accordance with the set standards; setting limit eligibility on the basis of logic & guidelines; conducting review,
recovery,preparingMonthlymonitoringreports,Preparingquarterlyinformationreports
 Developing CMA excel as per bank format; analysing balance sheets & related financial statements thoroughly by
segregating items in accordance with liabilities and assets to ascertain as well as justify the facilities proposed by the
borrower.
 Conducting Pre-sanction inspection in order to satisfy claims made by borrower like verifying collateral being offered,
inventorylevels,upkeepof machinesetc.
ROLES & RESPONSIBILITIES
KYC COMPLIANCE:
 Collectionof documents,additionalinformation fromthe customer/ borrowerandgettingthe documentsduly vetted.
 Ascertainingnecessaryapprovals,licenses,permissionsare available.
 Carry out creditrating,obtainCIBIL/CRISILreport.
 Conductingpre-sanctionsurveyof the borrowerandhisassets.
 Scrutinyof applications&obtainingdocumentsvia-'ischeck listprovidedandexamineeligibilityforfinancing.
CREDIT APPRAISAL
 Retail Credit- Proposal preparation(Home Loan,Auto&Overdraft).
 AppraisingcreditproposalsforSMEand Commercial &InstitutionalSegment.
 ClientAppraisal –Initial scrutiny - Understandingneedandrequirementof client.
 Correspondingwithclients/CA regardingfiguresandsatisfyinguponreportedfigures.
 ConductingCreditRating inCRISILModel andpreparingreview proposals.
SHARON VENESSA PINTO
Mobile: +971 508598529
E-Mail: sharon_gwen@yahoo.co.in

2. CREDIT DOCUMENTATION
 HandlingcreditdocumentationforRetail,SMEandWholesale Bankingclients.
 Ensuringdocumentcompliance withsanctionterms.
 Scrutinizinglegal opinionforcomplianceandmortgage registration.
 Rectifyingshortcomingspointedoutinvettingreports.
 Ensuringcharge registrationforCompanyAccount’s.
DISBURSEMENT
 Ensuringpre disbursementadherence totermsandconditionsof sanction.
 Pre-disbursementinspection.
 Creditdisbursementpostsatisfactionof T&C.
 Monitoringend-use anddiversionof funds.
 Resolvingclientqueriesregardingrepayment schedule, interestrate, amortizationscheduleetc.
BANKING OPERATIONS
 Workedinmultiple departmentslike SavingsBankAccount,Current&Term Depositsonthe FINACLEplatform.
NPA MANAGEMENT
 Monitoringadvance accountsfor timely repayment.
 Detectionof earlywarningsignalsof delinquency.
 Accountclassification.
 Effectingrescheduling, re-phasementsandrestructuringof accounts.
 Handlingrecoverymeasures.
 SARFAESI - The SecuritisationandReconstructionof Financial AssetsandEnforcementof SecurityInterestAct.
RISK MANAGEMENT
 Sendingmonthlyreportslike Review, Excess, MMR foradvance accounts above INR10 million etc.
 Monitoringexcess,adhoc, slippage inrunning accounts.
 Ensuringrectificationof deficiencypointedoutbyConcurrent Auditor, CreditAudit, InspectorandRBI Audit.
 Adhering to reporting and rectification norms in view of RBIA Audit rules as prescribed by Reserve Bank of India to
achieve BASELIIIcompliance
ACCOMPLISHMENTS
 Successfully handled credit proposals from 30 million – 150 million INR for High end customers such as Nitesh Estates,
Brigade Group etc.
 Effectivelyworkedupon‘ProTrack’& ‘LAPS’ - Internal bankingtool tokeepatab on TAT (TurnaroundTime).
 Received an appraisal score of 90 in my EPR (Employee performance Review) in the last FY in the bank which is
consideredtobe outstanding.
EDUCATION
 Master’s in Business Administration specializing in Finance from Justice K.S. Hedge Institute of Management, NITTE,
Mangalore,with85% withDistinction in2010.
 Bachelorof Commerce fromSt. Aloysius College,Mangalore,withDistinctionin2008.
IT PROFICIENCY
 MS Excel,MS Word & MS PowerPoint
 FINACLE Software
PERSONAL DETAILS
Date of Birth: 28th
June 1987
CurrentAddress: Flat301, Moosa HabibBuilding,Al Majaz,Sharjah,UAE
Gender: Female
PermanentAddress: “Evergreen”,AshoknagarPost,Derebail,Mangalore,Karnataka,India –575006
Nationality: Indian
Marital Status: Married
PassportDetails: No. H0440359; ValidTill:28/08/2018
VisaStatus: UAE Spouse ResidentVisa
LanguagesKnown: English,Hindi