Sruthi Baskar
Credit Underwriter
Summary
Professional in financial services sector with focus on credit assessment and risk analysis. Proven track record in evaluating financial documents, ensuring compliance with company policies, and mitigating potential risks. Known for strong collaboration, adaptability, and delivering high-quality results. Skills include financial analysis, risk management, and decision-making. Highly reliable with reputation for achieving optimal outcomes in dynamic environments.
Overview
10
10
years of professional experience
4
4
years of post-secondary education
2
2
Certifications
Work History
Credit Underwriter (Manager)
Citi Global Wealth (Private Bank)
04.2021 - Current
- End-to-End Credit Underwriting: Manage the underwriting process for expedited credit requests (initial, interim, and annual reviews) for High Net Worth (HNW) and Ultra High Net Worth (UHNW) clients
- Perform in-depth analysis of client financials and conduct stress testing of collaterals to assess risk
- Credit Approval & Attestation: Authorized underwriting attestor (no limit) and credit approver (up to USD 1 million)
- Cross-Functional Collaboration: Partner with senior underwriters on complex credit requests secured by structured products and concentrated margin securities
- Project Leadership: Lead the APAC Bulk Risk Rating 2024 project, risk-rating over 2,000 client relationships meeting Risk Acceptance Criteria, in alignment with regulatory requirements
- Collaborated with regional leads across NAM and EMEA
- Process Automation: Co-led a cross-functional initiative to design and implement a Straight Through Process (STP) credit application, streamlining the underwriting process and expected to reduce Turnaround Time (TAT) by over 50%
- Stakeholder Communication: Present key initiatives, project updates, and outcomes to senior leadership teams across APAC
- Risk Management & Efficiency: Introduced and optimized processes to enhance risk controls and operational efficiency in the underwriting function
- Deal Structuring & Portfolio Analysis: Managed deal structuring and portfolio analysis for HNW clients (2021-2022), improving credit exposure monitoring
- Team Development: Led mentorship programs for junior underwriters, focusing on technical competency, credit risk analysis, and best practices - contributing to improved team productivity and lower error rates
- Credit Risk Solutions: Monitored limit excesses and collateral shortfalls, providing timely credit solutions to mitigate risk
- Recognition: Consistently rated Exceeding Expectations (2022-2023) and rated Exemplary for Leadership Initiatives (2024)
- Achieved a high level of accuracy in analyzing credit applications, resulting in well-informed lending decisions and reduced financial risk.
Credit Manager (Graduate Trainee)
DBS Private Bank
10.2020 - 03.2021
- Credit Reviews: Successfully completed over 120 Credit Annual Reviews, managing both single-loan facility accounts and complex group loan structures with multiple borrowers
- Tool Development: Conducted User Acceptance Testing (UAT) for the Pricing Tool project developed for Relationship Managers
- Credit Approval Process: Managed and submitted Credit Approval Memos within tight deadlines (same-day submission)
- Ad-Hoc Support: Assisted with various ad-hoc tasks in the Credit Management Team, supporting day-to-day operations and strategic initiatives
Treasury Operations Intern
Daimler Southeast Asia Pte Ltd (Mercedes-Benz)
01.2019 - 06.2019
- Data Visualization: Solely managed the Treasury BI Swarm Data Visualization Project, creating online banking usage reports for the APAC region using MS Power BI, which is currently live
- Financial Reporting: Updated and maintained the Monthly Budget Report using Power BI and Bloomberg Terminal, reporting directly to the CFO
- Automation: Automated monthly data updates using Python, improving efficiency, and contributing to the Robotic Process Automation (RPA) project
- Project Management: Served as the first Intern-Project Coordinator for the Global Treasury System Project in the APAC region
- Recognition: Rated 5/5 for willingness to learn and exceptional contribution to the team
Tax Associate (Compliance Engagement Services)
EY (Ernst & Young)
12.2016 - 09.2017
- Tax Compliance: Assisted clients in structuring tax return timelines for regulatory compliance, working with teams across multiple regions (UK, Germany, Spain, Boston)
- Project Management: Delivered critical tax projects within strict deadlines, particularly during the peak tax season
- Client Relations & Process Optimization: Managed client feedback and tax return reconciliations, streamlining internal processes
- Leadership Recognition: Progressed rapidly to Substitute Senior Associate and received the Extra Miler Award for exceptional service
Summer Intern - Human Resources
Cholamandalam Investment and Finance
04.2015 - 05.2015
Education
Master of Science - Management, Finance
Singapore Management University
Singapore 07.2018 - 12.2019
Bachelor of Business Administration - Business Management
Ethiraj College For Women
India 06.2013 - 05.2016
Skills
- Credit assessment
- Margin lending expertise
- Financial liquidity assessment
- Risk analysis of collateral
- Credit exposure management
- Effective problem-resolution
- Stakeholder relationship development
- Meticulous attention to detail
Certification
CACS 1 & 2, In Progress
Personal Information
Residency: Permanent Resident
Timeline
Credit Underwriter (Manager)
Citi Global Wealth (Private Bank)
04.2021 - Current
Credit Manager (Graduate Trainee)
DBS Private Bank
10.2020 - 03.2021
Treasury Operations Intern
Daimler Southeast Asia Pte Ltd (Mercedes-Benz)
01.2019 - 06.2019
Master of Science - Management, Finance
Singapore Management University
07.2018 - 12.2019
Tax Associate (Compliance Engagement Services)
EY (Ernst & Young)
12.2016 - 09.2017
Summer Intern - Human Resources
Cholamandalam Investment and Finance
04.2015 - 05.2015
Bachelor of Business Administration - Business Management
Ethiraj College For Women
06.2013 - 05.2016
Similar Profiles
Saksham AsthanaSaksham Asthana
Business Analyst & Client Onboarding Specialist – COO at Citi Private Bank - Americas Wealth MarketsBusiness Analyst & Client Onboarding Specialist – COO at Citi Private Bank - Americas Wealth Markets
Vijaykumar KananiVijaykumar Kanani
Investment Technology SME at Oracle | Client: Citi Bank Wealth Technology -CIMInvestment Technology SME at Oracle | Client: Citi Bank Wealth Technology -CIM
Micaela LomaxMicaela Lomax
Cash and Trade Processing Analyst at Citi Private BankCash and Trade Processing Analyst at Citi Private Bank