Udisha Bangtuo

Structured / Balance Sheet Lending Specialist

• Executive-level structured lending specialist responsible for originating and architecting complex, balance sheet–driven financing solutions for Ultra High Net Worth clients.
• Lead the design and execution of bespoke residential and commercial property finance, as well as securities-based lending structures, aligned to clients’ multi-asset wealth strategies and liquidity objectives.
• Present and defend transactions at Credit Committee level, articulating risk, return, and strategic rationale to secure approvals within governance frameworks.
• Serve as a strategic advisor across credit, risk, and relationship management functions, optimising capital allocation, enhancing portfolio quality, and driving sustainable revenue growth within prudent risk parameters.

• Strategic dealmaker with experience in planning, structuring, and executing sophisticated financial transactions.
• Trusted consultant for high-net-worth and professional clientele delivering bespoke financial solutions.
• Competent in financial analysis, credit structuring, and conveying proposals to senior credit forums.
• Adept in international banking, offshore structuring, and regulatory compliance (NCA Basel).

• Drive strategic business development through targeted client engagement and disciplined growth initiatives.
• Deepen senior corporate relationships, positioning the bank as a long-term strategic partner.
• Lead rigorous financial, balance sheet, and cash flow analysis to assess performance and capital needs.
• Structure integrated banking solutions across transactional, treasury, digital, FX, and cross-border platforms within robust regulatory frameworks.

• Cultivate and steward strategic client relationships to drive sustainable growth and retention.
• Perform rigorous financial analysis to evaluate performance, capital structure, and funding requirements.
• Deliver tailored, integrated banking solutions across transactional, treasury, digital, and cross-border platforms.
• Uphold strong risk governance through disciplined regulatory and compliance oversight.

• Dealmaker with deep expertise in structuring complex asset finance and balance sheet leasing solutions across diverse asset classes.
• Design and implement buy-back, sale-and-leaseback, and tailored leasing structures aligned to clients’ capital allocation strategies, liquidity objectives, and balance sheet optimisation.
• Lead comprehensive financial, cash flow, and asset-level analysis to inform credit decisions, pricing, risk mitigation, and transaction structuring.

• Lead corporate and investment banking relationships, delivering strategic, capital-aligned financial solutions.
• Structure risk-optimised banking solutions aligned to client exposures, market dynamics, and return objectives.
• Embed robust governance and regulatory discipline across client engagements and transactional activity.
• Proactively identify, assess, and mitigate internal and external risk exposures to protect portfolio integrity and client interests.

• Lead strategic corporate relationships within the Corporate and Investment Banking environment, acting as a trusted financial partner.
• Structure complex financing solutions supporting M&A, equity transactions, and cross-border initiatives.
• Deliver integrated international banking solutions aligned to clients’ growth, capital, and risk strategies.
• Execute balance sheet lending, advanced financial analysis, and credit structuring for large-scale transactions.

• Lead a portfolio of corporate clients, originating and executing bespoke, technology-enabled transactions designed to enhance operational efficiency, scalability, and long-term enterprise value.
• Drive strategic business development through senior client engagement, delivering end-to-end structuring and implementation of complex IT and operational transformation solutions.

• Lead strategic relationship management across African and international markets, driving cross-border growth and revenue expansion.
• Structure tailored local and international banking solutions for corporate clients, positioning the bank as a core transactional partner.
• Provide specialist expertise across transactional, treasury, digital, FX, cross-border, and lending platforms within complex regulatory environments.
• Align financial solutions to clients’ capital, liquidity, and regional expansion strategies.