BS

Bhavana Shobith

Credit analyst · Corporate & Wholesale Credit

Doha, Qatar

@bhavana_shobith

0 followers

About

Credit risk professional with 10+ years of experience across commercial banking and corporate credit, including credit analysis, underwriting, rating validation, portfolio monitoring, and receivables management. Brings Moody's Analytics Commercial Credit certification, CAIIB, and an MBA in Finance & HR Management, with experience in both banking and a diversified GCC business group.

Experience

  • Credit Risk Officer
    Al Mulla Group (Almulla Industries & Engineering) · Kuwait
    Apr 2022 – Apr 2024

    Analysed corporate customers' financial statements, cash flows, liquidity and leverage to assess creditworthiness and recommend credit limits, renewals and amendments. Ran periodic credit reviews, monitored customer risk profiles, tracked receivables portfolio performance, reviewed credit documentation, produced MIS and management presentations, contributed to FIMS-to-SAP ERP migration, and provided HR support with SAP-based reporting and employee records.

  • Branch Operations – Vadodara Branch
    Dhanlaxmi Bank Ltd · Vadodara
    2015 – 2021

    Managed loan origination across mortgage, education and personal loans, processed branch credit proposals, conducted branch inspections and advised customers on financial products.

  • Regional Office – Credit Processing
    Dhanlaxmi Bank Ltd · India
    2013 – 2015

    Processed and reviewed proposals for Regional and Corporate Credit Committees, analysed financials and supporting documents, prepared credit memorandums and recommendations, and ensured policy and regulatory compliance.

  • Risk Management Department – Credit Risk
    Dhanlaxmi Bank Ltd · India
    2011 – 2013

    Carried out credit risk assessments, rating validation, portfolio monitoring, repayment capacity evaluation and rating migration analysis; prepared reports for senior management and risk committees.

  • Assistant Manager
    Dhanlaxmi Bank Ltd · India
    2010 – 2021

    Handled branch operations, credit processing, risk management and market risk responsibilities across multiple internal assignments. Worked on loan origination, proposal review, credit memos, rating validation, portfolio monitoring, liquidity reporting, market risk capital charges, committee reporting and ALM policy updates.

  • Risk Management Department – Market Risk
    Dhanlaxmi Bank Ltd · India
    2010 – 2011

    Prepared daily liquidity reports, calculated market risk capital charges and liquidity ratios, developed Risk Management Committee reports and board notes, and revised the Asset Liability Management Policy.

Education

  • MBA
    Finance & HR Management · Aug 2007 – Aug 2009
  • B.Tech
    Electronics and Communication Engineering (ECE) · Mar 2004 – Apr 2007

Skills

5 to 8 years 5 to 8 years A long stretch - five to eight years.
2 to 5 years 2 to 5 years Several years of experience.

Tools / apps / platforms

2 to 5 years 2 to 5 years Several years of experience.
SAP software
<3 months <3 months Just getting started - under three months. This is also what shows when a level has not been set.
Microsoft Excel

Languages

Not stated Not stated No level given for this one.
Hindi Speak English Speak Malayalam Speak

Courses & certifications

  • System security training · Al Mulla Group · 2022
  • Certification in Commercial Credit · Moody's Analytics · 2021
  • On-the-job credit management training · Dhanlaxmi Bank · 2013

⚽ Extracurricular activities

  • Singer
  • Dancer
  • Actor

🎯 Hobbies & interests

  • Dancing
  • singing
  • acting

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