Kartika Singh

Work Experience Summary

Credit Analyst Mizuho Bank, Bangkok

Performed comprehensive analysis of financial statements, credit reports, financial ratios, and other relevant data to assess the financial health and creditworthiness of corporate clients.
Identified and evaluated potential credit and financial risks associated with lending and investment decisions, providing recommendations to mitigate exposure.
Engaged with clients and internal teams to gather financial information, clarify concerns, and assess credit applications.
Conducted industry and market analysis to evaluate trends and their impact on clients’ creditworthiness and risk profiles.
Supported portfolio management by monitoring client performance, identifying early warning indicators and potential credit issues, and implementing risk mitigation measures.
Ensured all credit activities complied with internal policies, banking regulations, and risk management guidelines.

Derivatives & Securities Analyst, Citi Bank Bangkok

Managed end-to-end processing of derivatives including CCS, IRS, OIS, Commodity Options (Oil, Rubber, Sugar) and FX Spot/Forward transactions, ensuring accurate execution and settlement
Calculated CCS/IRS settlement amounts using BOT floating rates, identified discrepancies, and coordinated with traders for timely upfront fee booking and adjustments
Verified trades against ISDA templates, including rollovers, early maturities, partial terminations and amortization
Managed margin calls & variation margin payments, coordinating with traders and risk teams to maintain required collateral
Processed cross-border payments via SWIFT (MT202/MT103) and BahtNet, maintained Nostro accounts, and handled withholding tax payments.
Prepared AML reports, Open Item reports & daily account monitoring

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