Sakti Priya Nair
Banking role
Summary
Credit Analyst evaluating corporate and SME borrowers through financial statement analysis of 10–25 files per month, bank statement review, and debt service capacity assessment. Prepares independent credit recommendations on 10-15 cases per month that align with credit risk appetite, turnaround-time standards, and lending controls. Monitors 20–40 corporate and SME exposures for early warning triggers, ESG risk, and deterioration signals to support timely decisions.
Overview
3
3
Languages
1
1
Certification
10
10
years of professional experience
Work History
Credit Analyst
Standard Chartered Bank Berhad - Equatorial Plaza
03.2019 - 05.2025
- Prepared independent credit assessments and recommendations, ensuring well-informed lending decisions aligned with the bank's risk appetite.
- Spreading of the annual financial statements via internal SCB tools, approving the spreading before using it in the rating process.
- Reviewed and monitored the assigned credit portfolio in collaboration with lending units, providing independent risk assessments and recommendations to ensure alignment with the bank's credit risk appetite.
- Bank statement analysis using external tools to conduct extensive understanding of annualised sales turnover.
- Independent analysis of company's financial and economic conditions of borrowers such as annual financial statements, interim figures, business model, market and competition, analysis of debt service capacity.
- Conduct regular client reviews with RM to understand their business needs and identify opportunities for growth.
- Ensure compliance with systems, controls and guidelines of the Bank.
- Observe turnaround time to enable timely decision on credit business proposals by the approving authority.
- Assess, evaluate and review the internal ESG rating.
- Monitor existing corporate portfolios and identify early warning triggers for potential credit deterioration.
- Involved in ad-hoc assignment/project initiative assigned by Head of Department and continued support to team members.
SME Credit Initiation
Ambank Group Berhad (SME Banking) - Menara Ambank
10.2018 - 03.2019
- Focused on SME Business Premise Loans, conducting comprehensive financial and credit analysis of new and existing customers to evaluate creditworthiness.
- Prepared and presented credit recommendations with clear risk mitigation strategies, ensuring decisions aligned with internal credit policies and regulatory requirements.
- Utilized external credit rating agencies, customer financials, and both internal and external data sources to support accurate risk assessment.
- Ensured full compliance with Service Level Agreements (SLAs) and turnaround time standards for credit review responses and approval processing.
- Collaborated with Relationship Managers and Regional Managers on credit processing matters to facilitate smooth approval and disbursement processes.
- Supported continuous improvement of credit review procedures by identifying process gaps and recommending efficiency enhancements.
SME Sales Executive
Ambank Group Berhad (SME Banking) - Menara Ambank
01.2017 - 10.2018
- Conducting thorough assessments of clients' financing requirements and delivering tailored loan solutions aligned with their business needs.
- Acquired SME clients through strategic networking, referrals, and targeted outreach efforts.
- Collaborating closely with internal departments to ensure seamless loan processing and excellent client experience.
- Monitored market trends and competitor activities to enhance product offerings.
Cabin Crew
Malindo Airways Sdn. Bhd. - KLIA 1
03.2016 - 01.2017
Sales Specialist
Mind Your Own Business (MYOB)
04.2015 - 02.2016
Education
BA (Hons) - Accounting and Finance
Wawasan Open University
Kuala Lumpur01-2023
Sijil Pelajaran Malaysia - undefined
Main Convent Ipoh
Ipoh, Perak01-2012
Skills
Credit risk assessment
Financial statement analysis
Financial spreading
Covenant analysis
Credit memorandum preparation
Portfolio management
ESG risk evaluation
Industry analysis
Market research
Excel
Loan structuring
Collateral valuation
Relationship management
Credit committee presentation
Loan syndication
Stress testing
Portfolio rebalancing
KYC due diligence
AML screening
Regulatory reporting
Certification
Moodys Credit Skills Assessment
Interests
Hiking, Travelling, Reading, Cooking
ACHIEVEMENTS
SME Sales Achievement MD Award 2017
Timeline
Credit Analyst
Standard Chartered Bank Berhad - Equatorial Plaza
03.2019 - 05.2025
SME Credit Initiation
Ambank Group Berhad (SME Banking) - Menara Ambank
10.2018 - 03.2019
SME Sales Executive
Ambank Group Berhad (SME Banking) - Menara Ambank
01.2017 - 10.2018
Cabin Crew
Malindo Airways Sdn. Bhd. - KLIA 1
03.2016 - 01.2017
Sales Specialist
Mind Your Own Business (MYOB)
04.2015 - 02.2016
Sijil Pelajaran Malaysia - undefined
Main Convent Ipoh
BA (Hons) - Accounting and Finance
Wawasan Open University