Jiggar Patel Email & Phone Number

• Responsible for rendering unsecured credit decisions• Handle 1st level supervisor escalations• Supervisor over 50 Underwriters• Mentor, coach and provide feedback to Underwriters• Perform detailed review on all lender dispositions • Assist with audit materials and exceptions reporting as needed• Utilize tax returns and personal financial statements as tools in underwriting unsecured loans• Work closely with the Sr. Management Team with application monitoring• Meet monthly risk detection goals on existing accounts, reducing portfolio loss margin in excess of $1 Million• Lead and participate in the risk detection production process • Clear daily queues in accordance with established business standards • Adhere to all applicable regulatory and compliance requirements on every transaction processed

• Responsible for reviewing financial statements and other pertinent information to determine borrower’s repayment capability and assess bank risk • Accountable for evaluating commercial loan requests ranging from $200,000 to $5,000,000• Performed due diligence and background analysis needed prior to credit approval• Managed up to 5 loan requests per week• Submitted results and recommendations based on defined credit standards• Analyzed industry data, competitive factors, historical performance, proforma results, risks and mitigating factors• Participated in weekly loan committee meetings

• Analyzed personal and business financials including: P & L statements, balance sheets, tax returns and credit reports• Performed cash flow and working capital analysis• Underwrote consumer and commercial credit requests• Conducted financial projections from past and current financial statements• Worked closely with the CFO in maintaining our compliance with various bank examiners• Supervised DDA and loan compliance on a quarterly basis• Monitored compliance regulations include: Equal Credit Opportunity Act, Expedited Funds Availability Act, Federal Truth in Lending Act, Electronic Funds Transfer Act, Truth in Savings Act, Home Mortgage Disclosure Act, Bank Secrecy Act, Unfair Credit Act, RESPA and National Flood Insurance Program.

Bachelor Of Business Administration, Finance

Bba, Finance