Sheetal Malik

Background

About Sheetal Malik

Assistant Vice President of Credit | State Bank of India As the Assistant Vice President of Credit at State Bank of India, I spearhead credit administration and risk management for external commercial borrowings and locally syndicated deals. With over 10 years of experience in the banking industry, my expertise lies in credit and commercial credit, driving strategic financial decisions and enhancing credit quality. Core Competencies: • Financial Analysis & Credit Appraisal: Expert in assessing financial health and structuring optimal credit solutions. • Credit Structuring & Pricing: Skilled in designing tailored credit structures and competitive pricing models. • Trade Finance: Proficient in managing trade finance operations including LC issuance, LC bill discounting, buyers’ credit, and bank guarantees. Certifications & Education: • Certified Financial Crime Specialist (CFCS) • Moody’s Certificate in International Credit (CICC) • Certified Associate of Indian Institute of Bankers (CAIIB) • Bachelor of Technology in Information Technology • Certification in AML and CFT I am dedicated to advancing the bank’s credit quality and performance, ensuring robust risk management and compliance. My passion for continuous learning and improvement drives me to stay abreast of industry developments and refine my skill set to deliver superior results.