Kamakshi Pandey

• Led comprehensive credit reviews across diverse portfolios, including Wealth Management, Private Equity, Financial Institutions, and Corporate Borrowers, with a focus on Loan Against Securities, Commercial Real Estate, and Problem Credits.
• Conducted detailed credit analysis, assessed underwriting practices, and evaluated risk ratings to ensure compliance with internal policies, regulatory requirements, and portfolio quality standards.
• Collaborated with cross-functional teams (credit, banking) to align on strategies, and prepared reports communicating key findings to senior management, auditors, and regulators.
• Demonstrated leadership by advising management, mentoring junior analysts, and managing complex credit review projects independently.
• Delivered high-quality results in dynamic environments, ensuring consistent communication with senior stakeholders and maintaining project timelines.
• Contributed to Credit Committees and Transaction Approval Committees, providing actionable credit recommendations and analysis for MNCs and counterparties.
• Recognized as a top performer for excellence in credit analysis, risk management, and portfolio oversight.

• Managed a portfolio within the Global Corporate Segment of Wholesale Corporate and Investment Banking, serving clients across the UK and Europe, with financing exposure of £300 million and settlement exposure of £3 billion.
• Conducted manual credit underwriting, credit risk analysis, and presented credit papers for complex loan portfolios, providing recommendations to senior credit relationship directors.
• Assessed client financial needs, business models, financial performance, and creditworthiness, performing industry and peer comparisons.
• Analyzed financial statements in compliance with IFRS and UK GAAP, proposed sanction terms, covenants, and loan documentation, and initiated credit applications.
• Focused on timely, accurate, and efficient credit reviews, ensuring compliance with internal policies and standards.
• Collaborated with cross-functional teams, including loan operations, collateral, and monitoring, to provide insights that enhanced decision-making processes and deal execution.

Managed key responsibilities in risk management, credit analysis, underwriting, financial analysis, and loan approval, ensuring compliance with internal policies and regulatory standards.