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Finance and Risk Management professional offering a combination of business, operational and technical expertise. A strategic thinker, skilled at distilling strategy into targeted tactical initiatives, expertly managing large high visibility projects from inception to completion.Industry/domain expertise: Secondary Mortgage Markets (Fannie Mae & Freddie Mac), Capital Markets and Retail Banking (E*TRADE), Insurance and Hedge Funds (Manulife/John Hancock & Penn Capital Management).Product Exposure: Single-Family (RMBS) and Multi-Family Mortgage Backed Securities (CMBS and CRE), ABS Backed by Credit Card and Auto Receivables, Middle-Market Loans and SBA Loans, CDOs, Equities, Options and Derivatives (Swaps, Futures and Swaptions)Key successes:1. Improved performance of Freddie Mac’s $80 Billion Private Label Securities portfolio; Reduced “high risk” loans by 75%. Appointed to develop risk oversight function for $1.8 Trillion portfolio.2. Managed Fannie Mae Financial and Operational Risk of Accounting Operations. Completed multiple IT enhancements to the accounting engine and led consolidation accounting project for $3.0 Trillion balance sheet.3. At E*TRADE, led execution of five CDO transactions in excess of $1.6 Billion. Provided $40MM profits in less than 2 years.Looking for roles in:• Corporate Finance – Financial Planning and Analysis (FP&A); Revenue and Expense Forecasting; Risk, Profitability and Market Share Analytics; Revenue Growth; Spending Control.• Credit Risk Management – Develop and Implement Credit Risk framework including defining risk appetite; building, staffing and leading teams; Develop Risk Analytics. • Market Risk Management – Controlling and hedging interest rate risk; liquidity risk management; Asset-Liability Management (ALM) and Balance Sheet Management.• Project Management/Consulting – Can lead or support projects or programs of any size/scale from inception through completion. Have experience in managing IT projects using Agile methodology.Projects include:• Developed and Implemented Risk Oversight Framework – Exel in delivering under tight time frames.• Operational Risk Oversight Framework – Risk Control Self Assessments (RCSA)• Control Design and Effectiveness Testing• Risk Analytics, Data Aggregation & Executive Reporting• Quantitative & Qualitative Analysis• Issue Remediation Planning and Execution
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Senior Examiner And Capital Markets Advisor ★ Division Of Enterprise RegulationFederal Housing Finance Agency Jan 2021 - PresentWashington, Dc, UsI spearheaded the safety and soundness of Fannie Mae and Freddie Mac, collectively the Government Sponsored Entities (GSEs), related to market and liquidity risk including analysis of duration, convexity, interest rate volatility, stress/scenario testing and documented and communicated the findings and conclusions to the Senior Leadership of the GSEs and FHFA. Additionally, I served as a Capital Markets Advisor to the Office of the Deputy Director and supported FHFA’s policy decisions related to the smooth functioning of the TBA market, and commingling fee of the Supers (Megas/Giants) securities. Key Accomplishments: ★ Represented FHFA in Speaker Series with industry experts from the Wall Street firms, rating agencies and Mortgage Servicing Right (MSR) trading firms to provide insights on macroeconomic environment, housing finance and mortgage markets issuance/performance trends. ★ Performed risk assessments for measuring, monitoring and reporting of Sensitivity to Market Risk of the GSEs that included managing of duration, convexity and interest rate volatility and presented the findings and conclusions to the FHFA Leadership.★ Participated in the Environmental and Social Governance (ESG) Working Group to analyze disclosure requirements related to green bonds issued by the GSEs and provided opined about potential new disclosures.★ Collaborated with the GSE Examination Teams for analysis of Interest Rate Risk including changes in Duration, Convexity, Volatility and Spread Risk and liquidity risk and presented results to the DER’s Leadership.Office of the Deputy Director Activities:✓ Prepared and presented analysis of blockchain technology and cryptocurrencies to the Director and the Deputy Director in preparation of a meeting with the FSOC; ✓ Prepared an overview of the Structured Finance market including new issuance and performance of the MBS, Commingled Products, and the CRT transactions.For detailed list of accomplishments, please contact me.
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Director, Finance - Enterprise Risk Management ★ $2.0T Balance SheetFreddie Mac Jun 2012 - Dec 2018Mclean, Va, UsI directed the teams in finance and risk management departments of the company's $1.8T Single-Family division – hired staff and multiple vendors for developing and implementing intervention strategies for managing risk, business forecasting, budgeting, risk governance of stress/scenario (DFAST) testing. After successful completion of the PLS Servicing Performance Improvement project, I was appointed to develop and implement risk oversight of Freddie Mac’s $1.8T Single-Family Servicing portfolio; I built the team by hiring the best of the breed providing risk oversight; I developed and implemented the risk oversight framework, which included developing strategies, policies/procedures, risk analytics and controls for assessing risk.Multiple appointments allowed me to gain an in-depth understanding of the Government Sponsored Entity’s (GSEs) business model and be recognized as a Subject Matter Expert.Key Accomplishments: ★ I developed and implemented intervention strategies for managing risk of $80B Non-Agency, resulting in 75% reduction of “high risk” loans;★ I was instrumental in leveraging the Agency side relationships and together we were able require servicers to reduce loans in foreclosure by 40% and REO assets by 35%;★ Subsequently, I was appointed to develop and implement risk oversight framework for company’s $1.8T portfolio, resulting in stronger risk management and compliance with regulatory guidelines;★ I directed the team to enhance analytics for new acquisitions including affordable lending product and provided feedback and effective challenge to optimize risk and ROE; CRO Directed Activities:✓ Led the end-to-end risk review of the distressed assets, resulting in enhancement to company’s valuation models; ✓ Contributed in the end-to-end risk review of cash window acquisitions, resulting in consolidation of redundant manual operations and duplicate models.For detailed list of accomplishments, please contact me. -
Manager, Finance ★ Risk Management ★ Accounting ★ $3.0T Balance SheetFannie Mae Sep 2008 - Jun 2012Washington, District Of Columbia, UsDirected the team for financial Accounting accordance with the FASB Standards and GAAP guidelines. As I continued to deepen my understanding about business, operations and technology, I was appointed to lead a high visibility accounting consolidation project, in accordance for loans, securities and the investment portfolio. To manage this growth in my responsibilities, I hired six consultants from E&Y for managing this project that spanned over the entire organization. Consequently, I was also appointed to lead a mission critical initiatives to develop an interactive web enabled analytics tool for managing Real-Estate Owned (REO) assets. I delivered this project on-time with ~15% saving in cost compared to the budget. I was commended by my leadership about leading this project efficiently and for hiring the "best-of-the-breed" staff, especially hiring of an IT person who proved to be a "home-run" for the company. This web-based portal provided real-time information about REO inflows, outflows, profitability and other key risk metrics of assets. Key Accomplishments: ★ I led the consolidation of $3.0T balance sheet assets, resulting in completion of this project on-time with 15% less than budget;★ I hired the best of the breed to lead multiple high visibility projects - my team was regarded as "go-to" guys in the controller's organization; ★ I directed the staff for developing project plans, business requirements including technical and functional requirements and dashboards/needle-movers for managing project prudently;★ I collaborated with IT staff and operational risk management team for multiple enhancements to accounting applications, resulting in accurate and on-time reporting of financial statements; Controller Directed Activities:✓ Lead the consolidation project for Fannie Mae’s $3.0T Balance Sheet for loans and securities accounting; ✓ Develop the functionality of correctly amortizing hybrid ARMs and partial repayment of principal. -
Vice President, Finance ★ Capital Markets ★ Managed A Portfolio Of $6.0B In Financial InstrumentsJohn Hancock Sep 2006 - Mar 2008Boston, Ma, UsI joined the Declaration Management team to lead securitization of a $2.0B synthetic Collateralized Debt Obligation (CDO) backed by Subprime and Alt-A mortgage loans. I worked with the quantitative analysts and modelers to fine-tune the credit default and loss severity models. I also led the due-diligence of the Non-Agency MBS bonds, which included working with credit and modeling teams, negotiating and executing trades and valuation of assets.With my prior 5+ years of experience and deep understanding of the macro-economic environment, I was able to Influence the leadership for expediting the execution of CDO transaction. In retrospect, I was able to time the market and executed the transaction to achieve the best effort execution. The leadership commended my market timing and execution of the transaction and recognized my efforts accordingly in my performance reviews. In addition to managing portfolios and the CDO platform, I also led the sale of debt in global markets, UK, France and Germany,, resulting in additional $1.25MM annual fee income for the company.Key Accomplishments: ★ I led the execution a $2.0B CDO transaction from inception through completion including managing credit and market risk, valuation of assets, pricing of transaction;★ In addition to managing portfolio risk, I also led the development of financial models for managing default risk, and loss severity of the Mortgage Backed Securities (MBS) backed by subprime and Alt-A collateral;★ I collaborated with the Corporate Bond desk to short the CDS of monolines by analyzing the leverage of their portfolios due to excessive layered risk exposure, resulting in $15MM profits.President directed activities:✓ Sale of $2.0B CDO debt abroad to institutional investors in UK, Germany and France;✓ Collaborate with Corporate Bond Desk for developing/implementing long-short strategies. For detailed list of accomplishments, please contact me. -
Portfolio Manager, Finance ★ Capital Markets ★ Managed A Portfolio Of $6.0B In Financial InstrumentsE*Trade Financial Oct 2001 - Sep 2006UsI was promoted to this role from a Credit Analyst position based on my accomplishments. I was recruited to perform due-diligence of non-agency MBS and assist senior Portfolio Managers in acquisition of assets. Given my strong focus on execution, I became the “key” person in standing-up the CDO platform totaling $1.6B in issuance. Additionally, I also managed $4.5B for the bank portfolio and exceeded portfolio acquisition targets as well as risk adjusted return, 2.5% to 3.5% above the one-month LIBOR, targets. I was regarded as one of the top-performers year-after-year and I also earned the President’s Award. I also helped the company in making $40MM in profits from my portfolios. Key Accomplishments: ★ I grew the bank portfolio 9X, from 0.5B to 4.5B, in less than two years and delivered $40MM in profits and risk-adjusted returns 3.0% over the funding rate;★ With my continued focus on execution, I became the “key” person of the CDO platform totaling in $1.6B, resulting in 3.0% above the funding rates (one-month LIBOR); ★ I collaborated with other Portfolio Managers and contributed to balance sheet growth from $38B to $54B, the Net Interest Margin and EPS also grew by approximately 45%;★ In addition to managing risk, I was also presented the risk to the Credit Risk Committee (CRC), Asset & Liability Committee (ALCO) and the Senior Leadership;★ Based on my accomplishments, I was assigned to acquire Community Reinvestment Act (“CRA”) eligible assets, resulting in compliance with regulatory (OCC) requirements.Chief Investment Officer Directed Activities:✓ Key person for managing investor relations and for developing and presenting on road shows for sale of CDO debt;✓ Appointed to be part of development team for portfolio surveillance systemFor detailed list of accomplishments, please contact me. -
Portfolio Analyst ★ Managed $300Mm In Hedge Fund Assets ★ Developed A Financial Model For The CboPenn Capital Management Nov 2000 - May 2001Philadelphia, Pennsylvania, UsWith no prior background, I designed, developed and implemented a financial model for managing the collateral and structure of a $300MM High Yield Collateralized Bond Obligation (CBO) portfolio;Additionally, I developed financial models for performing due-diligence of high-yield and small-cap equity stocks, which helped the Senior Portfolio Managers to make intelligent investment decisions; In partnership with the senior portfolio managers, I managed money for 35 high net-worth clients delivering superior performance compared to comparable benchmarks such as Lehman High Yield Bond Index;My leader empowered me to negotiate and execute trades of small-cap equity stocks and high yield bonds and do asset allocation, which allowed me to fulfill the full scope of portfolio management duties. -
Financial Planning Analyst, Fp&A, G&A, Business Forecasting, Startegy & Resources PlaningThe Vanguard Group Dec 1997 - Feb 2001Valley Forge, Pa, UsResponsible for analysis of credit sensitive and distressed assets in Technology, Aerospace & Defense, Energy and Gaming sectors to make buy-sell recommendations and manage credit risk. -
Qa ManagerApi Harowe Mar 1993 - Feb 1998
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Mechanical EngineerNational Fertilizers Limited 1985 - 1987Noida, Uttar Pradesh, In
Kulwant Sharma, Cfa, Prm Skills
Kulwant Sharma, Cfa, Prm Education Details
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Fox School Of Business At Temple UniversityFinance -
Thapar Institute Of Engineering & TechnologyIndustrial Management
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Thapar Institute Of Engineering & TechnologyMechanical Engineering
Frequently Asked Questions about Kulwant Sharma, Cfa, Prm
What company does Kulwant Sharma, Cfa, Prm work for?
Kulwant Sharma, Cfa, Prm works for Federal Housing Finance Agency
What is Kulwant Sharma, Cfa, Prm's role at the current company?
Kulwant Sharma, Cfa, Prm's current role is Senior Examiner and Capital Markets Advisor.
What is Kulwant Sharma, Cfa, Prm's email address?
Kulwant Sharma, Cfa, Prm's email address is k.****@****zon.net
What is Kulwant Sharma, Cfa, Prm's direct phone number?
Kulwant Sharma, Cfa, Prm's direct phone number is +170350*****
What schools did Kulwant Sharma, Cfa, Prm attend?
Kulwant Sharma, Cfa, Prm attended Fox School Of Business At Temple University, Thapar Institute Of Engineering & Technology, Thapar Institute Of Engineering & Technology.
What skills is Kulwant Sharma, Cfa, Prm known for?
Kulwant Sharma, Cfa, Prm has skills like Fixed Income, Structured Finance, Capital Markets, Mbs, Hedge Funds, Portfolio Management, Valuation, Risk Management, Abs, Financial Analysis, Credit Risk, Structured Products.
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