VAIBHAV GOYAL

Main Responsibilities: • Drove full compliance with local central-bank and global Citi policy requirements across three countries. • Led quarterly/annual risk reviews, identifying gaps and launching corrective-action plans for all business lines. • Partnered with AML/Sanctions teams to interpret and operationalize new regulatory directives. • Coordinated internal, external and regulatory audits; ensured timely, accurate submissions and closure of comments. • Enhanced local operational-risk frameworks, embedding control testing and governance reporting region-wide. Accomplishments: • Delivered zero-finding outcomes in consecutive internal and compliance audits (2021). • Introduced a unified monitoring framework that strengthened governance and real-time risk visibility across the region.

Main Responsibilities: • Finalized CCB-specific standard documentation aligned with UAE law and global credit policy. • Drafted, vetted and registered loan, security and mortgage documents with relevant authorities. • Liaised with external counsel on bespoke structures and inter-lender agreements. • Led classified-case reviews, accelerating closure of aged documentation exceptions. • Implemented UAE Moveable Collateral Registry charge-registration processes for all secured deals. Accomplishments: • Built Citi’s UAE documentation function from the ground up, delivering consistent audit-ready cycles. • Standardized templates and processes that cut documentation turnaround-time and reduced legal-risk exposure.

Main Responsibilities: • Directed credit-administration, documentation & collateral monitoring for ABF & CCB North portfolios; led a six-member team. • Managed drawing-power calculations, monthly collateral reviews and Registrar-of-Companies charge filings. • Coordinated credit-bureau reporting, deferral tracking and audit engagements with vendors and clients. • Ensured flawless execution of legal documentation for structured and bilateral deals. Accomplishments: • Honoured with CRMS Gold Star Award (2009) and O&T Excellence Awards (2010–2011). • Achieved positive outcomes across statutory audits and RBI regulatory reviews.

Main Responsibilities: • Evaluated client financials, asset quality and risk profiles to structure secured-asset financing solutions. • Assessed collateral adequacy, covenant compliance and overall portfolio health for the regional secured-assets book. • Prepared detailed credit proposals and presented recommendations to the regional credit committee for approval. • Monitored post-disbursement performance, flagging early-warning signals and initiating remedial actions where required. • Liaised with legal, valuation & operations teams to perfect security interests and ensure accurate, timely documentation.

Main Responsibilities: • Managed working-capital facilities (cash-credit limits, bank guarantees and letters of credit) and ABF disbursements for transportation and construction clients. • Oversaw credit administration and risk monitoring for an asset base exceeding US $1 billion, ensuring compliance with internal policy and regulatory guidelines. • Collaborated with relationship managers to structure new transactions, performing due diligence and negotiating security packages to mitigate risk. • Conducted periodic borrowing-base audits and collateral inspections, highlighting variances and enforcing corrective measures. • Coordinated with external auditors and regulators during reviews, providing comprehensive data and resolving queries within set timelines.