Surendra Khatri

Banking professional with 10+ years of experience across credit analysis, loan underwriting, AML/KYC compliance, and trade finance operations at Nabil Bank Limited, one of Nepal's leading commercial banks. Proven record assessing credit risk for retail and SME portfolios, maintaining 100% regulatory compliance, and growing referral-based business by 35% through partnership-driven sales. MBA in Data Science (2024) with working knowledge of Excel-based data analysis and RPA/AI-enabled service tools.

Seeking international opportunities in credit, compliance, or banking operations roles.

Relationship Officer — Credit Analysis & Underwriting - Nabil Bank Limited - Nepal

(2020-12)

• Conduct end-to-end credit analysis and underwriting for retail and SME loan applications, evaluating financial statements, repayment capacity, and collateral to determine risk levels.
• Prepare comprehensive Credit Appraisal Reports and supporting documentation for final loan approval.
• Maintain 100% adherence to AML/KYC regulations and internal credit policies across all transactions.
• Grew referral-based business by 35% by building strategic partnerships with agents and local businesses.
• Achieve loan sales targets consistently through tailored, customer-specific financial solutions.

Operations In-Charge - Nabil Bank Limited - Nepal

(2018-07 - 2020-12)

• Directed daily branch operations, ensuring service quality, operational efficiency, and full regulatory compliance.
• Executed cross-border trade finance transactions, including Letters of Credit (LC), SWIFT, and RTGS processing.
• Supervised staff workflows, resolved operational bottlenecks, and reduced transaction errors.
• Led a cross-departmental compliance training program, decreasing compliance-related errors branch-wide.
• Introduced a customer feedback system that improved service quality and satisfaction scores.

Bank Teller - Nabil Bank Limited - Nepal

(2016-05 - 2018-06)

• Processed high-volume customer transactions including deposits, withdrawals, and loan repayments with full accuracy.
• Maintained detailed transaction records in compliance with internal and regulatory standards.
• Awarded "Teller of the Year" (2017) for excellence in cash handling and customer service.

Assistant Accountant / Bookkeeper - Super LG Design - Nepal

(2014-02 - 2016-02)

• Maintained financial records and performed daily account reconciliations.
• Verified transactions and resolved discrepancies through detailed research and analysis.
• Applied FIFO and LIFO methods to optimize inventory valuation and stock accuracy.

MBA - Data Science - Manipal University Jaipur (2024)

Bachelor of Business Studies - BBS - AIMS College of Business Management (2013)