Bhaskar Kusuma Email & Phone Number

Irving, Texas, United States

Miami-Dade County, Florida, United States

HSBC Business Banking, Miami, FL ($5MM and under team)Vice President, Sr. Credit Manager (06/2021 – present)• Provide credit and underwriting support to Relationship Managers on new loans both to new customers and existing customers. Support includes various aspects of underwriting including risk rating, credit & cash flow analysis, credit policy adherance, pricing, profitability and loan structure. Portfolio management of about 30 accounts.

Miami/Fort Lauderdale Area

Underwriting new loans and providing credit support to Relationship Managers in the Mid-Corporate Banking Segment (companies with revenues up to $300MM) covering Florida market with 5 Relationship Managers.• • Provide credit and underwriting support to Relationship Managers on new loans both to new and existing customers. Support includes various aspects of underwriting including risk rating, credit & cash flow analysis, credit policy adherence, pricing, profitability, loan structure. Support also includes going on prospect calls and building the business relationship. • Conduct deal discussions on new loan requests.• Review and underwrite new loans • Portfolio management • Familiarity with due diligence process – KYC, OFAC, AML, Reg. B etc.• Types of loans underwritten include owner occupied commercial real estate mortgages including SBA 504, working capital lines of credit, asset based loans, Trade Credit facilities, FX Lines, EXIM Bank guaranteed export loans, SBA guaranteed export working capital lines, term loans for acquisition financing, machinery and equipment loans, cross-border loans and structured credit• Responsible for post-approval process including review of loan documents before loan closing• Act as a liaison between credit approval unit and the Relationship Managers. • Obtain approval for new loans and complete annual reviews/renewals. • Extensive use of trade products – LCs, pre and post shipment facilities, packing credit, bill discounting and receivable finance. • Monitor the quality of the portfolio by means of various reports and tools.• Early detection of problem credits with recommendations to downgrade and turning over to workout group, if necessary. • Participate in the classified loan meetings on a periodic basis.• Successfully faced one internal audit, achieved acceptable rating.

Miami Beach, Florida

Vice President, Business Banking Manager, Upper Business Banking (5/2013 – 10/2016)Recruited by Regional Sales Director to provide credit support to Relationship Managers in the Upper Business Banking Segment (companies with revenues up to $100MM) covering Miami Dade County area with 8 Relationship Managers.• Responsibilities are the same as listed under Sr. Credit Manager

Chicago, Illinois, United States

Vice President, Regional Credit Officer (3/2011 – 4/2013)Recruited by Sales Director to provide credit support to Business Bankers and Branch Managers in the Business Banking Segment (companies with revenues up to $10MM) covering Illinois, Texas, Florida, Maryland, Virginia, Washington DC and Pennsylvania supporting 296 branches and 70 business bankers.• Provided specialized training to business bankers and branch managers on topics including credit and cash flow analysis, credit policy, pricing, profitability, loan structure. Assist the RMs in building the small business banking book. • Prescreened and conducted deal discussions resulting in go/no-go decisions on loan requests.• Reviewed all loans over $250k for completeness and submitted packages to credit approval unit for underwriting. • Acted as a liaison between credit approval unit and the business bankers/branch managers. • Assisted business bankers/branch managers obtain approval and booking of $1MM to 2MM/month in loans, in a competitive environment.• Provided ongoing mentoring and professional development for business banker team, instrumental in developing their Credit Skills

Chicago, Illinois, United States

Business Banking Vice President, Credit Officer/Credit Manager (3/2009 – 3/2011)New loans approvals and renewals. Portfolio management and managing underwriting team in a centralized environment catering to small business credit needs between $500,000 and $1MM.• Managed team of five underwriters and handled all recruiting, supervision, and mentoring, as well as performance management, counseling/coaching and professional development of the team. • Successfully completed internal credit review audit, achieving ‘Satisfactory’ rating.Vice President, Head of Business Banking Credit/Credit Manager (8/2007-3/2009)Hired to lead a staff of seven Portfolio Managers overseeing a complex $725 million commercial loan portfolio and support new credit requests from about 15 RMs. Portfolio consisted of standard business banking commercial loan products, SBA loans, commercial real estate loans (owner occupied), construction loans, and custom credits. Portfolio included significant healthcare lending. Supervised recruitment/hiring, and mentoring of Portfolio Managers as well as performance management, counseling/coaching and administration of compensation for assigned team.• Approval authority of $5MM. • Accompanied lenders on significant prospect calls to accelerate the review and approval process.• Assisted the Senior Credit Officer in gathering information on various aspects of the loan portfolio. Reviewed and recommended approval to SCO on loans exceeding loan authority. • Monitored the quality of the portfolio by means of various reports and tools.• Recommended credits to be downgraded and turned over to workout group. Provided monthly forecasts of non-accruals and charge offs related to non-workout loans.• Conducted periodic portfolio review meetings as a tool for early detection of problem loans.• Participated in the classified loan meetings on a periodic basis.• Successfully faced one internal and two federal audits, achieving acceptable ratings.

Chicago, Illinois, United States

• Underwrote/approved new loans for companies with revenues up to $10 million and loan needs of over $1 million in a centralized underwriting department.• Approval authority of $3 million.Commercial Markets Group, Vice President, Credit Officer (12/2003 - 11/2006)• Risk management of a $40 MM portfolio comprised of over 30 clients.• Underwrote/approved new loans between $1 million and $20 million for companies with revenue between $5 million and $20 million, with credit authority of $3 million.• Provided early detection and management of distressed loans, renewals, and documentation

• Managed a commercial loan portfolio of approximately $25 million that was primarily comprised of 1 to 4 investment property loans, construction loans to developers, lease paper discounting, and commercial loans.• Led underwriting, loan monitoring, documentation, portfolio management and new business development.

Accountable for the management of a $10 million loan portfolio with emphasis on new business development, including minority national lines of credit to Fortune 100 companies as a backup for commercial paper, lease paper discounting, small business loans, SBA loans (7A & 504), commercial/church real estate loans

Managed a large loan portfolio, underwriting, loan reviews, loan monitoring, and asset-based lending. Held various positions beginning as a Management Trainee prior to my emigration to US in 1989.

Cpa, Accounting

Master Of Business Administration - Mba, Finance, A

Mba, Finance, Accounting

Ma, Economics

Bachelor’S Degree, Economics, Political Science And Public Administration

Master Of Business Administration - Mba, Accounting And Finance