Shradha Tolia

Background

About Shradha Tolia

Seasoned Corporate Banker having overall more than 10 years in corporate and commercial banking in the areas of business development relationship/portfolio management credit appraisal and risk management. Have worked as a banking partner to corporate clients to identify their banking/credit needs and advise suitable banking solutions.Having worked with market leaders in Indian Banking Industry and having managed portfolio as relationship manager for companies from diverse sectors including Energy IT Real estate Pharma Aviation Auto Engineering Power and utilities Infrastructure in Large emerging corporates and MNCs I have gained experience in entire lending cycle including scoping the market for leads assessing the credit requirements negotiating the terms of financing including product security structure pricing covenants etc.Preparing and reviewing credit appraisal memorandum arranging sanction from credit committee disbursement and periodic monitoring of portfolio for stress. I have also worked on Structured credit facilities in conjunction with product partners - Trade finance Treasury and Global markets & cash management.In depth knowledge of trade finance products including Bill/Invoice discounting factoring and Export credit Currently working as Credit Analyst.Responsibilities include gathering client and industry information including financial modelling to assess and present risks delivering comprehensive credit risk analysis completing credit memorandum to enable credit committee to make informed decision supporting relationship managers in credit process related matters monitoring the portfolio for stress being cognizant of industry and internal developments and developing industry expertise