Ameenah Bibi Bundhoo
Port Louis,MAURITIUS
Summary
To secure a challenging position in a reputable organization where I can utilize my skills and experience to contribute to the company’s success. Diligent Senior Credit Analyst touting 8 years of expertise in gathering and evaluating documentation to conduct risk reviews. A gifted professional mentors associates and provide insight into job tasks. A smart team player knowledgeable in all forms of financial data.
Overview
16
16
years of professional experience
Work History
Senior Credit Analyst
ABC Banking Corporation Ltd
12.2022 - Current
- Conduct credit assessments for requests across various segments, identifying risks, proposing mitigating factors, and making recommendations.
- Ensure all credit activities comply with the Bank of Mauritius guidelines, legal requirements, and the bank's internal policies.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Contributed significantly to positive audit results by maintaining detailed documentation related to all aspects of the credit analysis process.
- Conducted timely reviews of existing credits ensuring compliance with covenants, terms, and conditions stipulated in loan agreements.
- Assist in reviewing offer letters for credit facilities.
- Deliver high-quality service to internal clients, ensuring quick response times.
- Regularly review arrears and excess reports on granted credit facilities to monitor asset quality.
- Maintain records of facilities on the bank's watchlist.
- Address credit-related inquiries from Management Committees.
- Provide training and guidance to junior staff.
Business Analyst
Maubank Ltd
08.2018 - 11.2022
- Collaborate closely with Relationship Managers to gather comprehensive and accurate information regarding new credit applications. This includes understanding the client’s business model, industry context, financial history, and the purpose of the credit request.
- Perform in-depth analysis of the financial and operational data provided in credit proposals. This involves scrutinizing financial statements, balance sheets, income statements, cash flow statements, and other relevant financial documents.
- Evaluate key financial ratios, trends, and performance indicators to assess the overall financial health and stability of the applicant’s business.
- Consider the operational aspects of the business, including management efficiency, market position, and operational risks, to provide a holistic view of the applicant's creditworthiness.
- Provide insights on alternative financing options if needed, ensuring that the proposed facility aligns with both the client’s needs and the bank’s risk appetite.
- Accompany Relationship Managers on site visits to observe business operations firsthand and gain deeper insights into the client’s business model and challenges beyond what financial reports reveal.
- Identify any discrepancies, anomalies, or red flags in the financial data that could indicate potential risks.
- Draft and thoroughly review offer letters for approved credit facilities, ensuring that all terms and conditions are accurately reflected and comply with the bank’s policies and regulatory requirements.
Credit Analyst
Maubank Ltd
11.2016 - 07.2018
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Supported the sales team in negotiating favorable terms, balancing business growth and credit risks
Teller/Clerk
Maubank Ltd (Previous MPCB Ltd)
03.2012 - 10.2016
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Processed customer transactions promptly, minimizing wait times.
- Promoted a welcoming atmosphere in the branch by greeting customers warmly upon arrival and addressing them by name when possible.
- Assisted customers with account inquiries, resolving issues promptly and professionally.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Managed high-volume transactions efficiently while maintaining attention to detail, ensuring accurate processing for customers.
Teller
HSBC (Mauritius) Ltd
01.2012 - 03.2012
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Processed customer transactions promptly, minimizing wait times.
- Increased cross-selling opportunities by identifying customer needs and recommending appropriate banking products or services.
- Streamlined teller operations by maintaining organized workspaces and adhering to policies and procedures.
- Assisted customers in understanding banking products, leading to increased uptake of services.
Customer Service Representative/Teller
Bramer Banking Corporation Ltd
06.2008 - 12.2011
- Opened bank accounts and delivered various services to clients
- Assisted officers and branch managers in running the branch
- Worked to achieve branch targets in terms of deposits and advances.
- Responded to customer requests for products, services, and company information.
Education
Bachelor of Science in Banking & International Finance -
University of Technology
Mauritius01.2015
Higher School Certificate -
Cambridge Certificate
01.2008
School Certificate -
Cambridge Certificate
01.2006
Skills
- Credit assessment
- Risk analysis
- Financial analysis
- Credit note preparation
- Loan file assessment
- Customer service
- Team management
- Banking system (Finacle 10)
- Risk assessment model system
- Cash management policy
- Anti-money laundering
Accomplishments
- Led team as acting supervisor in Retail Banking Sales and developed leadership and team management skills.
- Proficient in Banking system Finacle 10 and Risk Assessment Model system.
- Skilled in providing professional customer service, assessing needs, and ensuring satisfaction.
- Certified in "CASH MANAGEMENT POLICY" and "ANTI MONEY LAUNDERING" by Bramer Banking Corporation Ltd.
- Experienced team player and active listener, focused on providing excellent service.
- Holds a private automatic car driver's license.
- Completed a 2-day course on operational risk management by an international lecturer offered by Maubank Ltd.
- Completed a 1-day course on understanding financial statements by an international consultant offered by Maubank Ltd.
- Training to Relationship Managers in financial statement analysis and credit note preparation.
References
Available on demand
Identification - Nic
R2010903802094
Languages
English
First Language
French
Advanced (C1)
C1
Timeline
Senior Credit Analyst
ABC Banking Corporation Ltd
12.2022 - Current
Business Analyst
Maubank Ltd
08.2018 - 11.2022
Credit Analyst
Maubank Ltd
11.2016 - 07.2018
Teller/Clerk
Maubank Ltd (Previous MPCB Ltd)
03.2012 - 10.2016
Teller
HSBC (Mauritius) Ltd
01.2012 - 03.2012
Customer Service Representative/Teller
Bramer Banking Corporation Ltd
06.2008 - 12.2011
Bachelor of Science in Banking & International Finance -
University of Technology
Higher School Certificate -
Cambridge Certificate
School Certificate -
Cambridge Certificate
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