Daniah Ikram Email & Phone Number

Scottsdale, Arizona, United States

• Manage and develop a centralized credit team of 11 individuals across three locations – Arizona, Utah, California.
• Support and manage a portfolio of over 365 relationships and $1.2 Billion direct and $295 Million indirect commitments spread across SW and SoCal.
• Collaborate across sales and credit organizations supporting SoCal and SW Division, including regular communication with CTMs, DPEs, MEs, CBLs, MCLs, PELs, in-market and global credit execution teams leadership. Build….
• Collaborate across sales and credit organizations supporting SoCal and SW Division, including regular communication with CTMs, DPEs, MEs, CBLs, MCLs, PELs, in-market and global credit execution teams leadership. Build.
• Assign credit requests across team appropriately based on capacity and experience, ensuring timely engagement on new requests.
• Hold team accountable for high quality and timely underwriting and portfolio management of existing credit portfolio and new opportunities. Ensure credit execution is consistent and aligned with required policies and.

Phoenix, Arizona, United States

• Responsible for risk management related to credit, operating, and compliance risk for all existing and new customers.
• Monitored and approved credits varying in industries and business models, including middle market and mid-corp C&I, and investor real estate with $5.0 million direct loan authority and $10.0 million indirect.
• Oversaw approximately 20 to 25 credits a month from a team of 10 to 12 underwriters.
• Ensured complete, accurate, and timely underwriting of the credit… Show more
• Ensured complete, accurate, and timely underwriting of the credit portfolio for annual reviews and new actions. Reviewed for appropriate risk identification and mitigation, risk ratings, compliance with policy, and.
• Led, developed and provided extensive coaching and training to commercial loan underwriters including Portfolio Managers, Portfolio Associates, Credit Analysts, and Financial Analysts to develop their credit acumen..

Phoenix, Arizona, United States

• Monitored and approved credits with $2.5 million direct loan authority and $5.0 million indirect.
• Identified and attained efficiency by proposing procedural/process change that was implemented to save Portfolio Services on an average approximately 100 hours annually while continuing to manage risk appropriately.
• Initiated and lead several value add projects. Developed and implemented process flow document to streamline new team member training. Wrote the procedure document and… Show more
• Initiated and lead several value add projects. Developed and implemented process flow document to streamline new team member training. Wrote the procedure document and remained significantly involved in the creation.

Phoenix, Arizona, United States

• Managed a diverse and complex credit portfolio of Middle Market relationships with revenues generally ranging between $20MM - $4.0B and aggregate commitments exceeding $500MM across multiple industries. Credit profiles.
• Originated, and… Show more
• Originated, and grew relationships; including credit underwriting, structuring, pricing, documentation, policy, regulatory compliance, financial modeling, portfolio monitoring, renewals/annual reviews, and risk grading.
• Managed two summer interns as direct reports with focused training on accounting, credit analysis, risk rating, systems usage, lending products, and cash management products. Each intern was subsequently hired as.
• Trained and developed financial analysts. Show less

Phoenix, Arizona, United States

• Provided underwriting and credit approval services in support of Middle Market Banking Offices throughout the Commercial Bank by underwriting, managing, and monitoring 7 to 10 credits on a monthly basis with up to $10.
• Analyzed credit and industry risk to recommend appropriate risk rating and structure including term, amortization, collateral margining, and financial/reporting covenants for customers with revenues typically between.
• Analyzed credit and industry risk to recommend appropriate risk rating and structure including term, amortization, collateral margining, and financial/reporting covenants for customers with revenues typically between.
• Provided training and mentoring to Financial Analysts and junior Credit Analysts. Show less

Phoenix, Arizona Area

• Prepare company-specific and industry-wide credit reports and present exposures above $8 million on a weekly basis to senior management with authorized credit empowerment of $1.5 million.
• Conduct in-depth credit analysis on corporations having high risk exposure to determine the degree of risk involved in extending credit or lending money.
• Assign risk ratings to small businesses, large and mid-sized corporations (public and private), multinational entities, nonprofits and municipals… Show more
• Assign risk ratings to small businesses, large and mid-sized corporations (public and private), multinational entities, nonprofits and municipals that are domiciled primarily in North America to determine credit risk.
• Provide risk rating on international companies (Italy, Australia, Mexico, Peru, Argentina, Columbia and Canada) by conducting thorough review of business, financial, industry and country risk.
• Fundamental review included analysis on qualitative factors such as company market position, industry composition, competitive advantage, strategy and management plus quantitative factors including cash flow.

Phoenix, Arizona Area

• Supervised and helped develop other finance staff members. Coached and mentored peers on day-to-day commercial underwriting practices.
• Completed commercial credit risk analysis on unsecured business credit lines above $750K.
• Additional responsibilities included: Analyzing and comparing portfolio holdings, property projections, and variances. Prepared reports, such as ad-hoc analyses for all levels of the organization.
• Handle escalations and communicate explanations and reasons… Show more
• Handle escalations and communicate explanations and reasons for line size reduction to card members and Relationship Managers.
• Selected to serve as an Interim Commercial Underwriting Manager and promoted again to a Credit Risk Rating Manager. Show less

Phoenix, Arizona Area

• Determined credit eligibility and produce comprehensive credit memorandum by analyzing financial information and utilizing Amex internal risk model and other external data source for unsecured business credit above.
• Reported financial status by preparing and analyzing financial plans, forecasts and reports.
• Consistently achieved top performer status focusing on quality and accuracy.
• Promoted to Senior Financial Analyst

Saint Cloud, Minnesota

• Analyzed credit data and financial statements to determine the degree of risk involved in extending or lending money to prospective commercial clients. Prepared reports to present to senior management.
• Prepare and issue credit analysis reports by analyzing an entity’s operating results, tax returns, financial statements, collateral adequacy analysis and personal financial statements and tax returns of the borrower.
• Evaluated client records and recommended proper loan structure based… Show more
• Evaluated client records and recommended proper loan structure based on earnings, savings data, payment history, and purchase activity.
• Utilized and maintained the bank’s systems to spread and analyze borrowers’ financial statements to assist lending officers in supporting existing relationships and in reviewing new business loan offerings.
• Assisted the bank’s relationship managers/bankers in reviewing complex professional and executive, commercial business and commercial real estate credits/relationships through independent commercial credit analysis and.

One Madison Ave., New York

• Supervised four personnel in coordinating daily operations.
• Created and administered cash management of numerous accounts within the commercial loan businesses; such as Column Financial, the Real Estate Finance and Securitization Group (REFS), as well as coordinated Tri Party.
• Was accountable for developing processes to… Show more
• Was accountable for developing processes to monitor unsecured lending to newly established entities.
• Researched and reconciled open payables and receivables, including loan inventory stock record breaks. Show less

One Madison Ave., New York

• Supervised seven personnel to carry out day-to-day operations.
• Reconciled and balanced stock records, trade positions, cash sheets, and the cash management process.
• Aided colleagues with the financing of loans in their entirety.
• Engaged in the implementation of the New Trade Processing Architecture (NTPA) settlement system.
• Was chosen to serve as an Interim Residential Whole Loans Trader’s Assistant for six months: responsible for booking trades for securitization… Show more
• Was chosen to serve as an Interim Residential Whole Loans Trader’s Assistant for six months: responsible for booking trades for securitization settlements; pricing whole loan accounts for daily marked to market.