Nalini Devi
Credit Risk Analyst – SME Business at Fiji Development Bank
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About
Experienced banking and financial services professional with over 14 years of expertise in credit risk analysis, asset management, insurance administration, and customer relationship management. Proven ability to assess credit proposals, manage loan portfolios, reduce nonperforming loans, and deliver effective risk management solutions. Strong analytical, communication, and stakeholder management skills with a commitment to delivering high-quality results in fast-paced environments.
Experience
Credit Risk Analyst – SME Business - Fiji Development Bank - Head Office, Suva
(2023-08)
- Conduct independent assessments of SME loan applications and credit proposals.
- Perform financial and risk analysis to support sound lending decisions.
- Monitor loan accounts to identify emerging risks and implement appropriate exit strategies.
- Complete periodic credit reviews and maintain accurate management information system (MIS) records.
- Work closely with Risk Management, Legal, Insurance, and Business Banking teams.
- Prepare portfolio performance reports and recommend process improvements.
Asset Management Officer - Fiji Development Bank - Head Office, Suva
(2018-06 - 2023-08)
- Managed loan recovery and asset management activities across assigned portfolios.
- Reduced non-performing loans through proactive collection strategies.
- Conducted account reviews and developed recovery and exit strategies.
- Monitored repayment performance and negotiated repayment arrangements with customers.
- Assisted in achieving departmental financial and operational targets.
Acting Insurance Officer - Fiji Development Bank - Head Office, Suva
(2016-11 - 2018-06)
- Supervised daily insurance operations and customer service functions.
- Coordinated insurance premium payments and claim processing.
- Liaised with insurance providers to resolve customer enquiries.
- Prepared operational reports and approved BMS transactions.
- Provided leadership and guidance to the insurance team.
Administration Officer – Insurance - Fiji Development Bank - Head Office, Suva
(2012-06 - 2016-11)
- Processed insurance payments and maintained policy records.
- Assisted customers with insurance enquiries.
- Liaised with insurers to ensure efficient policy administration.
- Maintained accurate documentation and reporting.
Administrative Clerk - Colonial Life & Health - Centre Point Branch
(2009-06 - 2011-04)
- Prepared insurance quotations and customer documentation.
- Maintained customer records and administrative systems.
- Performed reception and general office administration duties.
- Delivered high-quality customer service.
Education
Bachelor of Arts - Banking & Finance, Management & Public Administration - University of the South Pacific (2004 - 2007)
Secondary Education - Labasa Sangam College (1999 - 2003)
